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Home›New Jersey›Passaic County›Clifton

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

Your Local NJ Advocate for Simplified-Issue & Fully-Underwritten Policies

Get Customized Coverage in Clifton Without the Complexity

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

June Marcia Williams (NPN 17209549, NJ #1543971) writes life insurance for Clifton, Passaic 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 · Clifton, NJ

Clifton, NJ — Your Local Producer

For my neighbors in Clifton, navigating life's journey against the vibrant backdrop of Passaic County is a unique experience. I'm June Marcia Williams, a licensed insurance producer living and working right here in our community. My focus is on helping local families and individuals secure their financial well-being. From Term and Whole Life insurance to planning for unexpected events with Final Expense or Critical Illness policies, I provide clear, straightforward guidance. Let's work together to find a plan that fits your life. (June Marcia Williams, NPN: 17209549, New Jersey License No: 1543971)

  • Clifton City Hall
  • Main Memorial Park
  • Clifton High School
NPN17209549NJ License1543971

Clifton is home to approximately 89,500 residents in Passaic County, with a median age of 40.2 and a median household income of $94,200. About 58% of homes are owner-occupied; the median home value is $428,000. 34% of adults hold a bachelor's degree or higher; households with children make up 29%; veterans comprise 2% of residents. Average household size is 2.7. These demographic markers shape which life insurance products fit Clifton households.

How Clifton compares to Passaic County

PASSAIC COUNTY · 520K RESIDENTS CLIFTON · 89K RESIDENTS
Passaic County vs Clifton — population comparison Passaic County: 519,986 residents. Clifton: 89,451 residents, 17.2% of Passaic County population.
519,986 PASSAIC COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
89,451 CLIFTON RESIDENTS ↳ 17.2% of Passaic County residents
Underwriting Guidelines

What rate class can Clifton applicants with current cigarette smoking expect from life insurance carriers?

Many Clifton residents secure competitive rates despite current cigarette smoking. Passaic County reports 9.8% adult prevalence (CDC PLACES); 38.6% also manage high cholesterol, with 18.3% of the ~520,000 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 Wanaque →

📊 Top Health Considerations (CDC)

Top Health Considerations for Clifton (CITY) High cholesterol: 38.6%. High blood pressure: 30.9%. Obesity: 26.1%. Diagnosed diabetes: 10.6%. Current cigarette smoking: 9.8%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CLIFTON High cholesterol 38.6% High blood pressure 30.9% Obesity 26.1% Diagnosed diabetes 10.6% Current cigarette smoking 9.8% 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

Passaic County Gov Portal .GOV
Population ~89,451
Lack of health insurance (18–64) 11.7%

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

FIPS code 3413690
Google Maps
3.9 146 reviews
Clifton City Hall photo 1Clifton City Hall photo 2Clifton City Hall photo 3Clifton City Hall photo 4
Photos by Ed Miskevich , JOSE DAVID CANO , Maria Infante , Maria Infante via Google Maps
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Clifton City Hall
Closed now · Mon 8:15 AM – 4:15 PM
(973) 470-5800
cliftonnj.org
900 Clifton Ave, Clifton, NJ 07013, USA
Recent Reviews
Shawn Bei ★★★★★
"⭐⭐⭐⭐⭐ Sandra Jones is truly the best customer representative in the Legal Department in Clifton. She is knowledgeable, patient, and incredibly helpful. Sandra took the time to explain everything clea…"
JOSE DAVID CANO ★★★★★
"Nice place that does all the necessary work for Clifton and all the paperwork. It has great green areas, clean buildings, a lot of interior space, and it is amazingly fast. Beautiful the statues and…"
Available in Clifton

Life Insurance Products in Clifton, NJ

10 insurance products available in Clifton

🛡️ 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 Passaic County and Nearby New Jersey Counties

Life Insurance by City Near Clifton, NJ

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

🌟 Cities Served near Clifton

30 Cities · 3 Counties
Essex County10
BellevilleBloomfieldEast OrangeLivingstonMaplewoodMillburnNewarkNorth CaldwellOrangeWest Orange
Passaic CountyHome10
BloomingdalePassaicPatersonPompton LakesProspect ParkRingwoodWanaqueWest MilfordWest PatersonWoodland Park
Morris County10
ButlerDenvilleFlorham ParkLincoln ParkMontvilleMorristownMount ArlingtonParsippanyPequannockWharton
Official Resources

Know your rights in Clifton.

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

Clifton Life Insurance Questions

💰

How much does life insurance cost in Clifton?

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.

Clifton
📋

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 Clifton?

Yes. June serves all of Clifton and every municipality in Passaic 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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