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Home›New Jersey›Ocean County›South Toms River

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

Securing Families Across Ocean County with 9 Tailored Product Lines

Why South Toms River Residents Rely on June for Complete Peace of Mind

Your local licensed agent in South Toms River, Ocean County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, NJ #1543971) writes life insurance for South Toms River, Ocean 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 · South Toms River, NJ

South Toms River, NJ — Your Local Producer

For my neighbors in South Toms River, I understand the value of our close-knit community and the unique lifestyle we enjoy here in Ocean County. As a local, licensed insurance producer, my goal is to help you find the right protection for your family's future. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and Critical Illness policies, all tailored to your specific needs. Let's have a conversation about securing your peace of mind. I'm June Marcia Williams, NPN: 17209549, licensed in New Jersey (No. 1543971).

  • South Toms River Borough Hall
  • South Toms River Elementary School
  • Mathis Veterans Memorial Park
NPN17209549NJ License1543971

South Toms River is home to approximately 3,700 residents in Ocean County, with a median age of 33.7 and a median household income of $96,700. About 82% of homes are owner-occupied; the median home value is $249,000. 16% of adults hold a bachelor's degree or higher; households with children make up 53%; veterans comprise 5% of residents. Average household size is 3.3. These demographic markers shape which life insurance products fit South Toms River households.

How South Toms River compares to Ocean County

OCEAN COUNTY · 639K RESIDENTS SOUTH TOMS RIVER · 4K RESIDENTS
Ocean County vs South Toms River — population comparison Ocean County: 638,691 residents. South Toms River: 3,662 residents, 0.6% of Ocean County population.
638,691 OCEAN COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
3,662 SOUTH TOMS RIVER RESIDENTS ↳ 0.6% of Ocean County residents
Underwriting Guidelines

Can I get life insurance with current cigarette smoking in South Toms River, NJ?

Coverage is widely available. South Toms River sits within Ocean County (population ~639,000, 9.5% uninsured), where 13.8% of adults have current cigarette smoking alongside 15.8% with diagnosed diabetes per current CDC PLACES data. Independent agents match applicants to carriers whose underwriting guidelines treat each clinical profile most favorably.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for South Toms River (CITY) High cholesterol: 50.4%. High blood pressure: 45.4%. Obesity: 30%. Diagnosed diabetes: 15.8%. Current cigarette smoking: 13.8%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · SOUTH TOMS RIVER High cholesterol 50.4% High blood pressure 45.4% Obesity 30.0% Diagnosed diabetes 15.8% Current cigarette smoking 13.8% 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

Ocean County Gov Portal .GOV
Population ~3,662
Lack of health insurance (18–64) 10.1%

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

FIPS code 3469510
Google Maps
View on Google Maps
South Toms River Municipal Complex
(732) 349-0403
boroughofsouthtomsriver.com
19 Double Trouble Rd, Toms River, NJ 08757, USA
Available in South Toms River

Life Insurance Products in South Toms River, NJ

10 insurance products available in South Toms River

🛡️ 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 Ocean County and Nearby New Jersey Counties

Life Insurance by City Near South Toms River, NJ

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

🌟 Cities Served near South Toms River

30 Cities · 3 Counties
Atlantic County10
AbseconAtlantic CityBrigantineCorbin CityHammontonMargate CityNorthfieldPleasantvilleSomers PointVentnor City
Ocean CountyHome10
BarnegatBarnegat LightBrickJacksonLakewoodLavalletteSeaside HeightsShip BottomSurf CityToms River
Mercer County10
HightstownLawrencevilleMercervillePenningtonPrincetonPrinceton JunctiTitusvilleTrentonWest TrentonWindsor
Official Resources

Know your rights in South Toms River.

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

South Toms River Life Insurance Questions

💰

How much does life insurance cost in South Toms River?

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.

South Toms River
📋

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 South Toms River?

Yes. June serves all of South Toms River and every municipality in Ocean 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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