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Home›Pennsylvania›Adams County›Gardners

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

Securing Families Across Adams County with 9 Tailored Product Lines

Why Gardners Residents Rely on June for Complete Peace of Mind

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

June Marcia Williams (NPN 17209549, PA #767197) writes life insurance for Gardners, Adams County, Pennsylvania 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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⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Gardners, PA

Gardners, PA — Your Local Producer

Hello Gardners! In a community as scenic and close-knit as ours here in Adams County, we understand the importance of protecting what matters most. From the rolling hills to the quiet country roads, this area is a special place to build a life and a legacy. As a licensed insurance producer right here in Pennsylvania, I'm dedicated to helping my neighbors find personal insurance solutions that fit their unique needs. Whether you're thinking about life insurance, final expense planning, or coverage for unexpected accidents, I can help you explore your options with clarity and care. (June Marcia Williams, NPN: 17209549, Pennsylvania License No: 767197)

  • Pine Grove Furnace State Park
  • Gardners Post Office
  • Intersection of Carlisle Pike (PA-34) and East York Rd (PA-234)
NPN17209549PA License767197

Gardners is home to approximately 97 residents in Adams County, with a median age of 59.3 and a median household income of $66,800. About 100% of homes are owner-occupied; the median home value is $132,000. 29% of adults hold a bachelor's degree or higher; households with children make up 17%; veterans comprise 0% of residents. Average household size is 3.3. These demographic markers shape which life insurance products fit Gardners households.

How Gardners compares to Adams County

ADAMS COUNTY · 105K RESIDENTS GARDNERS · 97 RESIDENTS
Adams County vs Gardners — population comparison Adams County: 104,604 residents. Gardners: 97 residents, 0.1% of Adams County population.
104,604 ADAMS COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
97 GARDNERS RESIDENTS ↳ 0.1% of Adams County residents
Underwriting Guidelines

How does diagnosed diabetes impact life insurance underwriting in Gardners, PA?

Many Gardners residents secure competitive rates despite diagnosed diabetes. Adams County reports 9.5% adult prevalence (CDC PLACES); 35.0% also manage obesity, with 5.7% of the ~106,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Gardners (CITY) High cholesterol: 34.7%. High blood pressure: 31.6%. Obesity: 35%. Diagnosed diabetes: 9.5%. Current smoking: 18.4%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · GARDNERS High cholesterol 34.7% High blood pressure 31.6% Obesity 35.0% Diagnosed diabetes 9.5% Current smoking 18.4% 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

Adams County Gov Portal .GOV
Population ~97
Lack of health insurance (18–64) 7.3%

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

FIPS code 4228488
Google Maps
3.7 21 reviews
Gardner City Hall photo 1Gardner City Hall photo 2Gardner City Hall photo 3Gardner City Hall photo 4
Photos by Sheena Walsh , Matthew MacDonald , Paula J Cronin , Zach Foote via Google Maps
View on Google Maps
Gardner City Hall
Open now · Mon 8:00 AM – 4:30 PM
(978) 632-1900
gardner-ma.gov .GOV
95 Pleasant St, Gardner, MA 01440, USA
Recent Reviews
Winnebago Family ★☆☆☆☆
"Needed help filling a claim after the roads caused two tires to blow. These guys lady I asked was snobby and seemed like she didn’t want to be bothered. Then she handed me a paper with very vague info…"
Rose Laboy ★☆☆☆☆
"I'd like to know who's in charge of this town because they're doing nothing. This town is a mess. Gardner's security is terrible, and they're not helpful at all. The worst place to live is Gardner."
Available in Gardners

Your coverage options.

Life insurance, supplemental health, and business protection — 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
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Coverage Across Adams County and Neighboring Pennsylvania Counties

Cities served near Gardners.

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

🌟 Cities Served near Gardners

30 Cities · 3 Counties
York County10
BrodbecksBrogueGrantleyQueens GateRailroadSpryStonybrookThomasvilleWellsvilleWindsor
Adams CountyHome10
AspersCarroll ValleyEast BerlinFreedomGreenstoneHamiltonHeidlersburgLibertyReadingTable Rock
Franklin County10
Blue Ridge SummitDry RunFayettevilleFort LoudonJugtownMontgomeryPen MarSaint ThomasScotlandState Line
Official Resources

Know your rights in Gardners.

Pennsylvania Insurance Department

File complaints, verify agent licenses, and understand your rights under Pennsylvania insurance law.

Visit insurance.pa.gov →.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

Gardners insurance — answered.

💰

How much does life insurance cost in Gardners?

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.

Gardners
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage — 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 Gardners?

Yes. June serves all of Gardners and every municipality in Adams 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 PA license?

Verify through PA Insurance Dept. at insurance.pa.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, PA License #767197.

Verified
Nearby Cities

Coverage continues next door.

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