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›Virginia›Caroline County›Port Royal

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

Life Insurance in Port Royal, VA

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

Get Customized Coverage in Port Royal Without the Complexity

Your local licensed agent in Port Royal, Caroline County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, VA #1575461) writes life insurance for Port Royal, Caroline County, Virginia 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 · Port Royal, VA

Port Royal, VA — Your Local Producer

Living in the Port Royal area, I appreciate the unique historic character and close-knit community feel we have here in Caroline County. It’s that sense of looking out for one another that inspires my work. My name is June Marcia Williams, and as a licensed insurance producer, I'm here to help my neighbors find personal insurance solutions. Whether you're considering Term, Whole, or Universal Life, Final Expense, or other supplemental coverage, I can help you understand your options. My goal is to provide clear, straightforward guidance for your family’s needs. (NPN: 17209549, Virginia License No: 1575461)

  • Port Royal Town Hall
  • Port Royal Post Office
  • King Street & Water Street
NPN17209549VA License1575461

Port Royal is home to approximately 139 residents in Caroline County, with a median age of 33.3 and a median household income of $51,300. About 41% of homes are owner-occupied; the median home value is $158,000. 31% of adults hold a bachelor's degree or higher; households with children make up 34%; veterans comprise 4% of residents. Average household size is 2.3. These demographic markers shape which life insurance products fit Port Royal households.

How Port Royal compares to Caroline County

CAROLINE COUNTY · 31K RESIDENTS PORT ROYAL · 139 RESIDENTS
Caroline County vs Port Royal — population comparison Caroline County: 31,181 residents. Port Royal: 139 residents, 0.4% of Caroline County population.
31,181 CAROLINE COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
139 PORT ROYAL RESIDENTS ↳ 0.4% of Caroline County residents
Underwriting Guidelines

Does arthritis affect life insurance rates in Port Royal, VA?

Yes, qualification is common in Port Royal. Within Caroline County's ~31,000 residents — including the 10.1% currently without health coverage — 28.8% of adults manage arthritis and 13.0% live with current cigarette smoking per current CDC PLACES data. Multiple A-rated carriers offer Standard or Preferred rates for well-controlled cases via fully underwritten products, with simplified-issue alternatives where clinical specifics warrant a faster path.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Ruther Glen →

📊 Top Health Considerations (CDC)

Top Health Considerations for Port Royal (CITY) High cholesterol: 40.8%. High blood pressure: 39.6%. Obesity: 39.7%. Diagnosed diabetes: 13.5%. Current cigarette smoking: 13%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · PORT ROYAL High cholesterol 40.8% High blood pressure 39.6% Obesity 39.7% Diagnosed diabetes 13.5% Current cigarette smoking 13.0% 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

Caroline County Gov Portal .GOV
Population ~139
Lack of health insurance (18–64) 8.5%

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

FIPS code 5163928
Google Maps
The Town of Port Royal VA photo 1The Town of Port Royal VA photo 2The Town of Port Royal VA photo 3The Town of Port Royal VA photo 4
Photos by The Town of Port Royal VA , The Town of Port Royal VA , The Town of Port Royal VA , The Town of Port Royal VA via Google Maps
View on Google Maps
The Town of Port Royal VA
Closed now · Mon Closed
(804) 742-5331
thetownofportroyal.com
419 King St, Port Royal, VA 22535, USA
Available in Port Royal

Life Insurance Products in Port Royal, VA

9 insurance products available in Port Royal

🛡️ 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
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Caroline County and Nearby Virginia Counties

Life Insurance by City Near Port Royal, VA

Life insurance by city across Caroline County and adjacent Virginia counties.

🌟 Cities Served near Port Royal

20 Cities · 3 Counties
Spotsylvania County5
FredericksburgLake WildernessPartlowSnellSpotsylvania Courthouse
Caroline CountyHome8
Bowling GreenLake CarolineLake Land'OrLong BranchMilfordRappahannock AcaRuther GlenWoodford
Hanover County7
AshlandBeaverdamDoswellHanoverMechanicsvilleMontpelierRockville
Official Resources

Know your rights in Port Royal.

Virginia State Corporation Commission — Bureau of Insurance

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

Visit scc.virginia.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

Port Royal Life Insurance Questions

💰

How much does life insurance cost in Port Royal?

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.

Port Royal
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage.

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 Port Royal?

Yes. June serves all of Port Royal and every municipality in Caroline 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 VA license?

Verify through VA Bureau of Insurance at scc.virginia.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, VA License #1575461.

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