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Home›New Jersey›Passaic County›Pines Lake

June Marcia Williams — Licensed Insurance Agent in Pines Lake, NJ
June Marcia Williams
Your Insurance Agent in Pines Lake, NJ
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Pines Lake, NJ...
National Producer No.
17209549
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Secure Your Family's Future | Custom Life Insurance in Pines Lake

Dedicated Coverage Options from Final Expense to Term Life in Passaic County

The Smart Choice for Dependable Life Insurance in Pines Lake, NJ

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

June Marcia Williams (NPN 17209549, NJ #1543971) writes life insurance for Pines Lake, 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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❤️ 3K+ Satisfied
Right here · Pines Lake, NJ

Pines Lake, NJ — Your Local Producer

Hello Pines Lake neighbors! Living in such a unique and beautiful part of Passaic County, with its distinct community spirit, reminds me how important it is to protect the life we've built for our families. I'm June Marcia Williams, a local licensed insurance producer, and I'm here to help you navigate your options for personal insurance. Whether you're thinking about life insurance, final expense planning, or coverage for unexpected illnesses or accidents, I can provide clear, straightforward guidance. My goal is to help you find the right protection for your specific needs. (NPN: 17209549, NJ License No: 1543971)

  • Pines Lake Elementary School
  • The South Shore Beach Club
  • Pines Lake Drive
NPN17209549NJ License1543971

Pines Lake is home to approximately 3,000 residents in Passaic County, with a median age of 50.2 and a median household income of $179,000. About 100% of homes are owner-occupied; the median home value is $604,000. 62% of adults hold a bachelor's degree or higher; households with children make up 27%; veterans comprise 2% of residents. Average household size is 2.6. These demographic markers shape which life insurance products fit Pines Lake households.

How Pines Lake compares to Passaic County

PASSAIC COUNTY · 520K RESIDENTS PINES LAKE · 3K RESIDENTS
Passaic County vs Pines Lake — population comparison Passaic County: 519,986 residents. Pines Lake: 3,034 residents, 0.6% of Passaic County population.
519,986 PASSAIC COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
3,034 PINES LAKE RESIDENTS ↳ 0.6% of Passaic County residents
Underwriting Guidelines

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

Pines Lake applicants with current cigarette smoking qualify routinely. The local risk pool — Passaic County's ~513,000 residents, 18.3% without health coverage — shows 8.1% adult prevalence of current cigarette smoking and 37.6% with high cholesterol. Top-rated carriers price these conditions transparently when application data is complete and recent.

Our underwriting team matches Pines Lake families directly with the carriers who look most favorably on these specific health markers, eliminating the guesswork. View insurance in nearby Hewitt →

📊 Top Health Considerations (CDC)

Top Health Considerations for Pines Lake (CITY) High cholesterol: 37.6%. High blood pressure: 29.4%. Obesity: 24.1%. Diagnosed diabetes: 8.9%. Current cigarette smoking: 8.1%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · PINES LAKE High cholesterol 37.6% High blood pressure 29.4% Obesity 24.1% Diagnosed diabetes 8.9% Current cigarette smoking 8.1% 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 ~3,034
Lack of health insurance (18–64) 7.5%

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

FIPS code 3458860
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Available in Pines Lake

Your coverage options.

Life insurance, supplemental health, business protection, and notary services — all from one licensed agent.

🛡️ Life Insurance

Term Life

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

Lock My Term Rate 💎 Life Insurance

Whole Life

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

Build My Legacy Plan 📈 Life Insurance

Universal Life

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

Grow My Wealth Tax-Free 🏥 Supplemental Health

Critical Illness

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

Secure Illness Cash 🏨 Supplemental Health

Hospital Indemnity

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

Get Hospital Cash Coverage ⚡ Supplemental Health

Accident & Injury

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

Lock In Accident Protection 🏢 Business

Business Life

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

Protect My Business 🔑 Specialized

Special Situations

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

Find My Coverage Solution 🕊️ Life Insurance

Final Expense

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

Secure Final Expense Coverage 📜 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
Coverage Across Passaic County and Neighboring New Jersey Counties

Cities served near Pines Lake.

June Marcia Williams writes life insurance and supplemental health policies across Passaic County and adjacent New Jersey counties — all within the same New Jersey regulatory framework.

🌟 Cities Served near Pines Lake

30 Cities · 3 Counties
Sussex County10
Crandon LakesGreenLafayetteLake MohawkLaytonNewtonRoss CornerSpartaSussexVernon Center
Passaic CountyHome10
BloomingdaleCliftonHaskellPackanack LakePassaicPatersonPompton LakesPreaknessWanaqueWest Paterson
Hudson County10
BayonneGuttenbergHobokenJersey CityKearnyNorth BergenSecaucusUnion CityWeehawkenWest New York
Official Resources

Know your rights in Pines Lake.

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

Pines Lake insurance — answered.

💰

How much does life insurance cost in Pines Lake?

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.

Pines Lake
📋

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 — all from one licensed agent.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for diabetes, high blood pressure, heart disease, and cancer history. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Pines Lake?

Yes. June serves all of Pines Lake 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.

Verified
Nearby Cities

Coverage continues next door.

← Previous Paterson Passaic County, NJ 10 products available
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