Life Insurance
Term Life Insurance ↳ Term Life Quote & Cost Whole Life Insurance ↳ Whole Life Quotes Term vs Whole Life ↳ Compare Term vs Whole Life Universal Life (IUL) Final Expense Insurance ↳ Final Expense Quotes
Supplemental Coverage
Critical Illness Hospital Indemnity Accident & Injury
Business & Specialty
Business Life Insurance Special Situations
Areas Served
New Jersey Pennsylvania Florida Maryland Virginia About Contact I'm an Agent — It's Free

Home›New Jersey›Ocean County›Surf City

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

Life Insurance in Surf City, NJ

Top-Rated Financial Protection for Surf City Residents

Honest, Local Insurance Guidance for Your Family's Future in Ocean County

Your local licensed agent in Surf City, Ocean County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, NJ #1543971) writes life insurance for Surf City, 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
🛡️ Get Your Quote 📅 Schedule a Call
🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Surf City, NJ

Surf City, NJ — Your Local Producer

For those of us who call Surf City home, life has a special rhythm, shaped by the tides and seasons of the Jersey Shore. Protecting your family's future in this unique Ocean County community is my top priority. I'm June Marcia Williams, a licensed insurance producer living and working right here in New Jersey. I help my neighbors navigate options like Term Life, Final Expense, and Critical Illness insurance to find a plan that fits their needs. Whether you're planning for the long term or preparing for the unexpected, I'm here to provide clear, personal guidance. (NPN: 17209549, NJ License: 1543971)

  • Surf City Borough Hall
  • Surf City Hotel
  • Surf City Volunteer Fire Co. & EMS
NPN17209549NJ License1543971
Underwriting Guidelines

How does current cigarette smoking impact life insurance underwriting in Surf City, NJ?

Many Surf City residents secure competitive rates despite current cigarette smoking. Ocean County reports 8.0% adult prevalence (CDC PLACES); 11.2% also manage diagnosed diabetes, with 9.5% of the ~639,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Surf City (CITY) High cholesterol: 48.5%. High blood pressure: 38.7%. Obesity: 25.4%. Diagnosed diabetes: 11.2%. Current cigarette smoking: 8%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · SURF CITY High cholesterol 48.5% High blood pressure 38.7% Obesity 25.4% Diagnosed diabetes 11.2% Current cigarette smoking 8.0% 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

Ocean County Gov Portal .GOV
Population Data Pending
Lack of health insurance (18–64) 5.1%

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

FIPS code 3471640
Google Maps
3.4 5 reviews
Borough of Surf CIty photo 1Borough of Surf CIty photo 2Borough of Surf CIty photo 3
Photos by Jac Childs , Bradford Buonasera , Rob Rosemarie via Google Maps
View on Google Maps
Borough of Surf CIty
Open now · Mon 9:00 AM – 4:30 PM
(609) 494-3064
surfcitynj.org
813 Long Beach Blvd, Surf City, NJ 08008, USA
Recent Reviews
Amy Baker ★☆☆☆☆
"The porta potties setup for beach goers behind the back are the worst I’ve ever seen. I’ve been here every weekend for the duration of the summer and they’ve yet to be emptied. Before Covid, we could …"
Lenny S ★☆☆☆☆
"Surf city should be ashamed of themselves that I am forced to pay $16 for me my wife and 9 month old baby to come to the beach at 3:15 for a day pass."
Available in Surf City

Life Insurance Products in Surf City, NJ

10 insurance products available in Surf City

🛡️ 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 Surf City, NJ

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

🌟 Cities Served near Surf City

30 Cities · 3 Counties
Mercer County10
HightstownLawrencevilleMercervillePenningtonPrincetonPrinceton JunctiTitusvilleTrentonWest TrentonWindsor
Ocean CountyHome10
BarnegatBarnegat LightBrickIsland HeightsJacksonLakewoodLavalletteSeaside HeightsShip BottomToms River
Camden County10
BarringtonCamdenCollingswoodGloucester CityHaddonfieldHi-NellaLindenwoldSomerdaleStratfordWinslow
Official Resources

Know your rights in Surf City.

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

Surf City Life Insurance Questions

💰

How much does life insurance cost in Surf City?

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.

Surf City
📋

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 Surf City?

Yes. June serves all of Surf City 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.

Verified

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation
📅 Schedule a Call 💬 Get Your Quote
Select a time and we'll call you · Serving NJ, PA, FL, MD & VA
🛡️ Get Your Quote 📅 Schedule a Call
Ask Lia