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Home›New Jersey›Monmouth County›Cream Ridge

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

Securing Families Across Monmouth County with 9 Tailored Product Lines

Why Cream Ridge Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Cream Ridge, Monmouth County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, NJ #1543971) writes life insurance for Cream Ridge, Monmouth 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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🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Cream Ridge, NJ

Cream Ridge, NJ — Your Local Producer

For my neighbors in Cream Ridge, the peaceful, open landscape of our corner of Monmouth County is a daily reward. It’s a setting that reminds us what’s truly important: the well-being of our families and the security of our future. I'm June Marcia Williams, a licensed insurance producer right here in your community, dedicated to helping you navigate your options. Whether you're considering Term Life, Final Expense, or other personal protection plans, I can provide clear, straightforward guidance. As a New Jersey resident myself (NPN: 17209549, NJ License: 1543971), I'm here to help you find a suitable plan.

  • Upper Freehold Township Municipal Building
  • Holland Ridge Farms
  • Cream Ridge Winery
NPN17209549NJ License1543971

Cream Ridge is home to approximately 470 residents in Monmouth County, with a median age of 54.1 and a median household income of $188,000. About 100% of homes are owner-occupied; the median home value is $759,000. 50% of adults hold a bachelor's degree or higher; households with children make up 29%; veterans comprise 3% of residents. Average household size is 2.9. These demographic markers shape which life insurance products fit Cream Ridge households.

How Cream Ridge compares to Monmouth County

MONMOUTH COUNTY · 643K RESIDENTS CREAM RIDGE · 470 RESIDENTS
Monmouth County vs Cream Ridge — population comparison Monmouth County: 643,064 residents. Cream Ridge: 470 residents, 0.1% of Monmouth County population.
643,064 MONMOUTH COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
470 CREAM RIDGE RESIDENTS ↳ 0.1% of Monmouth County residents
Underwriting Guidelines

Are Cream Ridge residents with obesity able to qualify for life insurance?

Yes. Monmouth County's health profile — 643,000 residents, 7.7% uninsured, 28.6% adults with obesity, 32.1% with high blood pressure — shapes how A-rated carriers tier rate classes for Cream Ridge applicants. Standard or Preferred is achievable when obesity is well-controlled; substandard tables apply when control is recent or partial.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Cream Ridge (CITY) High cholesterol: 40.8%. High blood pressure: 32.1%. Obesity: 28.6%. Diagnosed diabetes: 9.3%. Current cigarette smoking: 10%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CREAM RIDGE High cholesterol 40.8% High blood pressure 32.1% Obesity 28.6% Diagnosed diabetes 9.3% Current cigarette smoking 10.0% 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

Monmouth County Gov Portal .GOV
Population ~470
Lack of health insurance (18–64) 6.3%

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

FIPS code 3415730
Google Maps
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Available in Cream Ridge

Life Insurance Products in Cream Ridge, NJ

10 insurance products available in Cream Ridge

🛡️ 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 Monmouth County and Nearby New Jersey Counties

Life Insurance by City Near Cream Ridge, NJ

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

🌟 Cities Served near Cream Ridge

30 Cities · 3 Counties
Hudson County10
BayonneGuttenbergHobokenJersey CityKearnyNorth BergenSecaucusUnion CityWeehawkenWest New York
Monmouth CountyHome10
Asbury ParkHazletHolmdelHowellKeansburgLong BranchManalapanMarlboroUnion BeachWall
Middlesex County10
CarteretCranburyEast BrunswickEdisonHighland ParkNew BrunswickOld BridgePerth AmboyPlainsboroWoodbridge
Official Resources

Know your rights in Cream Ridge.

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

Cream Ridge Life Insurance Questions

💰

How much does life insurance cost in Cream Ridge?

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.

Cream Ridge
📋

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 Cream Ridge?

Yes. June serves all of Cream Ridge and every municipality in Monmouth 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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