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Home›New Jersey›Bergen County›Carlstadt

June Marcia Williams — Licensed Insurance Agent in Carlstadt, NJ
June Marcia Williams
Your Insurance Agent in Carlstadt, NJ
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Carlstadt, NJ...
National Producer No.
17209549
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Life Insurance in Carlstadt, NJ

Securing Families Across Bergen County with 9 Tailored Product Lines

Why Carlstadt Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Carlstadt, Bergen County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, NJ #1543971) writes life insurance for Carlstadt, Bergen County, New Jersey residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
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Right here · Carlstadt, NJ

Carlstadt, NJ — Your Local Producer

Hello, Carlstadt neighbors! As a fellow Bergen County resident, I appreciate the unique character of our communities, from the bustling commercial areas to the quiet residential streets. My name is June Marcia Williams, and I'm a licensed insurance producer (NPN: 17209549, NJ License No: 1543971) dedicated to serving local families. Navigating life and health insurance options can be complex, but you don't have to do it alone. I'm here to help you understand your choices—from term life to final expense policies—so you can find the right protection for your loved ones.

  • Carlstadt Borough Hall
  • Lindbergh Park
  • Paterson Plank Road
NPN17209549NJ License1543971

Carlstadt is home to approximately 6,300 residents in Bergen County, with a median age of 43.4 and a median household income of $89,700. About 60% of homes are owner-occupied; the median home value is $517,000. 32% of adults hold a bachelor's degree or higher; households with children make up 24%; veterans comprise 3% of residents. Average household size is 2.5. These demographic markers shape which life insurance products fit Carlstadt households.

How Carlstadt compares to Bergen County

BERGEN COUNTY · 953K RESIDENTS CARLSTADT · 6K RESIDENTS
Bergen County vs Carlstadt — population comparison Bergen County: 953,243 residents. Carlstadt: 6,341 residents, 0.7% of Bergen County population.
953,243 BERGEN COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
6,341 CARLSTADT RESIDENTS ↳ 0.7% of Bergen County residents
Underwriting Guidelines

Does current cigarette smoking affect life insurance rates in Carlstadt, NJ?

Yes, qualification is common in Carlstadt. Within Bergen County's ~953,000 residents — including the 9.8% currently without health coverage — 10.8% of adults manage current cigarette smoking and 40.3% live with high cholesterol per current CDC PLACES data. Multiple A-rated carriers offer Standard or Preferred rates for well-controlled cases via fully underwritten products, with simplified-issue alternatives where clinical specifics warrant a faster path.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Mahwah →

📊 Top Health Considerations (CDC)

Top Health Considerations for Carlstadt (CITY) High cholesterol: 40.3%. High blood pressure: 32.5%. Obesity: 28%. Diagnosed diabetes: 9.6%. Current cigarette smoking: 10.8%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CARLSTADT High cholesterol 40.3% High blood pressure 32.5% Obesity 28.0% Diagnosed diabetes 9.6% Current cigarette smoking 10.8% Data sourced directly from the CDC PLACES Dataset.

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range
Standard
Rated / Watch

Official City Resources

Bergen County Gov Portal .GOV
Population ~6,341
Lack of health insurance (18–64) 11.5%

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

FIPS code 3410480
Google Maps
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Carlstadt Borough Clerk
Open now · Mon 8:30 AM – 4:30 PM
(201) 939-2850
carlstadtnj.us
500 Madison St, Carlstadt, NJ 07072, USA
Recent Reviews
Sarah Oehlmann ★★★★★
"Clean"
Available in Carlstadt

Life Insurance Products in Carlstadt, NJ

10 insurance products available in Carlstadt

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

View Term Life 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

View Whole Life 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

View Universal Life 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

View Accident & Injury 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

View Business Life 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

View Special Situations 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

View Final Expense 📜 NJ Only

Notary Public

Commission #50123638. Notarization, oaths, acknowledgments.

Get Notarized
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Bergen County and Nearby New Jersey Counties

Life Insurance by City Near Carlstadt, NJ

Life insurance by city across Bergen County and adjacent New Jersey counties.

🌟 Cities Served near Carlstadt

30 Cities · 3 Counties
Morris County10
ButlerDenvilleFlorham ParkLincoln ParkMontvilleMorristownMount ArlingtonParsippanyPequannockWharton
Bergen CountyHome10
Fort LeeGarfieldNorth ArlingtonParamusRamseyRidgewoodRidgewood VillageRutherfordTenaflyWaldwick
Passaic County10
BloomingdaleCliftonPassaicPatersonPompton LakesProspect ParkWanaqueWest MilfordWest PatersonWoodland Park
Official Resources

Know your rights in Carlstadt.

New Jersey Department of Banking & Insurance

File complaints, verify agent licenses, and understand your rights under New Jersey insurance law.

Visit nj.gov/dobi →.GOV

Verify Agent License (NIPR)

Look up June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV
Frequently Asked Questions

Carlstadt Life Insurance Questions

💰

How much does life insurance cost in Carlstadt?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Carlstadt
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage, and NJ notary.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Carlstadt?

Yes. June serves all of Carlstadt and every municipality in Bergen County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage
🏥

What is critical illness insurance?

Pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. Supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness
✅

How do I verify June's NJ license?

Verify through NJ DOBI at nj.gov/dobi or NIPR at nipr.com. June Marcia Williams — NPN 17209549, NJ License #1543971.

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