June Marcia Williams

Your Insurance Agent in Clear Brook, VA

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Clear Brook, VA...

National Producer No.

17209549

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Affordable Life Insurance in Frederick County | Secure Your Family's Future

Custom Coverage from a Licensed VA Agent You Can Trust

9 Straightforward Product Lines Tailored for Every Frederick County Family

Protect your family in Frederick County. 10 municipalities. 9 product lines. One licensed agent.

Licensed Virginia agent June Marcia Williams (#1575461, NPN 17209549) writes life insurance for Frederick County, Virginia residents — fully-underwritten and simplified-issue 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

County Hub · Frederick, VA

Across Frederick County

As a licensed insurance producer serving families across Frederick County, I'm proud to be part of a community that serves as a vital hub for the northern Shenandoah Valley. From the bustling commuter corridors of I-81 to the growing medical and industrial sectors centered around Winchester, this county is a place of opportunity and growth. My mission is to help protect what matters most to you and your loved ones, whether you're a homeowner enjoying the scenic beauty or a professional building your career here. I offer personalized life and health insurance solutions to provide financial security for your future. (June Marcia Williams, NPN: 17209549, Virginia License No: 1575461)

Frederick County Courthouse
Winchester Medical Center
Third Winchester Battlefield Park

NPN17209549VA License1575461

How Frederick County compares to Virginia

VIRGINIA · 8.6M RESIDENTS FREDERICK COUNTY · 92K RESIDENTS

8,624,511 VIRGINIA POPULATION ↳ 1 cell ≈ 100,000 residents

92,007 FREDERICK COUNTY RESIDENTS ↳ 1.1% of Virginia residents

Underwriting Guidelines

What are the primary life insurance underwriting factors in Frederick County, VA?

Life insurance carriers price Frederick County's ~96,000 residents — 9.4% lacking health insurance — against the local health profile: High cholesterol (38.4%), Obesity (37.5%), High blood pressure (30.3%) adult prevalence per current CDC PLACES data.

Local Health Data

📊 Top Health Considerations (CDC)

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 County Resources

NACo County Profile .ORG
Population ~96,000
Lack of health insurance (18–64) 9.4%

Healthcare-access indicator. Higher rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).
FIPS code 51069

2.3 6 reviews

View on Google Maps

Frederick County Board of Supervisors

Open now · Mon 8:00 AM – 5:00 PM

(540) 665-5600

fcva.us

107 N Kent St, Winchester, VA 22601, USA

Recent Reviews

Nancy DeZarn ★☆☆☆☆

"The current board is spreading misinformation and politicizing the school budget to the detriment of the children of our beautiful county. The few voices of reason are inneffective at arriving at a co…"

J S ★★★★★

"Doing great!"

Products Available

Nine product lines available in Frederick County.

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.

Explore Term Life Options 💎 Life Insurance

Whole Life

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

Explore Whole Life Options 📈 Life Insurance

Universal Life

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

Explore Universal Life Options 🏥 Supplemental Health

Critical Illness

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

Explore Critical Illness Options 🏨 Supplemental Health

Hospital Indemnity

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

Explore Hospital Indemnity Options ⚡ Supplemental Health

Accident & Injury

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

Explore Accident Coverage Options 🏢 Business

Business Life

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

Explore Business Life Options 🔑 Specialized

Special Situations

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

Explore Special Situations Options 🕊️ Life Insurance

Final Expense

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

Explore Final Expense Options

Browse Frederick County

Find coverage in your area.

Coverage is local across all 10 Frederick County cities — select your community below for product-specific underwriting and a direct line to your licensed agent.

📍 Cities in Frederick County

10Cities

Clear Brook Gore Middletown Star Tannery Stephens City Stephenson Whitacre Brucetown Lake Holiday Shawneeland

🔍 Popular Searches

City × product — what Frederick County residents search for

🛡️ Life Insurance

Clear Brook Term Life Insurance Term→Gore Term Life Insurance Term→Middletown Term Life Insurance Term→Clear Brook Whole Life Insurance Whole→

🏥 Supplemental Health

Clear Brook Critical Illness Insurance Critical→Gore Hospital Indemnity Plans Hospital→Middletown Accident & Injury Coverage Accident→

🏢 Business & Notary

Clear Brook Key Person Insurance Business→

Regional Risk Matrix

Localized policy options by product line.

Review active risk variables, carrier compliance parameters, and regional premium classifications specific to your county.

🛡️ Term Life

10 Cities

Affordable Clear Brook Term Life Clear Brook income protection. Affordable term life for families in Frederick County. Top-Rated Gore Term Life Level premiums for Gore families. 10, 20, or 30-year terms available. Compare Middletown Term Life Compare Middletown term life rates from top carriers. Living benefits included. Best Star Tannery Term Life Star Tannery family coverage. Income replacement from a verified VA agent. Local Stephens City Term Life Affordable term life in Stephens City, Frederick County. Expert guidance from a 12-year agent. Affordable Stephenson Term Life Stephenson income protection. Affordable term life for families in Frederick County. Top-Rated Whitacre Term Life Level premiums for Whitacre families. 10, 20, or 30-year terms available. Compare Brucetown Term Life Compare Brucetown term life rates from top carriers. Living benefits included. Best Lake Holiday Term Life Lake Holiday family coverage. Income replacement from a verified VA agent. Local Shawneeland Term Life Affordable term life in Shawneeland, Frederick County. Expert guidance from a 12-year agent.

💎 Whole Life

10 Cities

Affordable Clear Brook Whole Life Clear Brook permanent coverage. Cash value accumulation plus lifetime protection. Top-Rated Gore Whole Life Build wealth in Gore with whole life. Tax-deferred cash value growth. Compare Middletown Whole Life Middletown legacy protection. Permanent coverage with guaranteed cash value. Best Star Tannery Whole Life Whole life insurance for Star Tannery families. Coverage that never expires. Local Stephens City Whole Life Stephens City estate planning. Whole life from a verified VA agent. Affordable Stephenson Whole Life Stephenson permanent coverage. Cash value accumulation plus lifetime protection. Top-Rated Whitacre Whole Life Build wealth in Whitacre with whole life. Tax-deferred cash value growth. Compare Brucetown Whole Life Brucetown legacy protection. Permanent coverage with guaranteed cash value. Best Lake Holiday Whole Life Whole life insurance for Lake Holiday families. Coverage that never expires. Local Shawneeland Whole Life Shawneeland estate planning. Whole life from a verified VA agent.

📈 Universal Life

10 Cities

Affordable Clear Brook Universal Life Clear Brook flexible life insurance. Index-linked growth with adjustable premiums. Top-Rated Gore Universal Life IUL options in Gore. Cash value tied to market indexes without market risk. Compare Middletown Universal Life Middletown universal life. Flexible coverage adapting to your financial goals. Best Star Tannery Universal Life Adjustable premiums and death benefit in Star Tannery from a verified agent. Local Stephens City Universal Life Stephens City IUL coverage. Tax-free retirement income strategy for professionals. Affordable Stephenson Universal Life Stephenson flexible life insurance. Index-linked growth with adjustable premiums. Top-Rated Whitacre Universal Life IUL options in Whitacre. Cash value tied to market indexes without market risk. Compare Brucetown Universal Life Brucetown universal life. Flexible coverage adapting to your financial goals. Best Lake Holiday Universal Life Adjustable premiums and death benefit in Lake Holiday from a verified agent. Local Shawneeland Universal Life Shawneeland IUL coverage. Tax-free retirement income strategy for professionals.

🏥 Critical Illness

10 Cities

Affordable Clear Brook Critical Illness Clear Brook critical illness protection. Lump-sum cash on diagnosis. Top-Rated Gore Critical Illness Cancer, stroke, heart attack — cash benefits for Gore families. Compare Middletown Critical Illness Middletown supplemental coverage. Critical illness pays regardless of health plan. Best Star Tannery Critical Illness Lump-sum critical illness in Star Tannery from a verified VA agent. Local Stephens City Critical Illness Stephens City critical illness plans. Financial safety net when it matters most. Affordable Stephenson Critical Illness Stephenson critical illness protection. Lump-sum cash on diagnosis. Top-Rated Whitacre Critical Illness Cancer, stroke, heart attack — cash benefits for Whitacre families. Compare Brucetown Critical Illness Brucetown supplemental coverage. Critical illness pays regardless of health plan. Best Lake Holiday Critical Illness Lump-sum critical illness in Lake Holiday from a verified VA agent. Local Shawneeland Critical Illness Shawneeland critical illness plans. Financial safety net when it matters most.

🏨 Hospital Indemnity

10 Cities

⚡ Accident & Injury

10 Cities

Affordable Clear Brook Accident & Injury Clear Brook accident coverage. 24/7 protection for active families. Top-Rated Gore Accident & Injury Accident & injury plans in Gore. ER, fractures, dislocations covered. Compare Middletown Accident & Injury Middletown accidental injury insurance. Cash benefits from day one. Best Star Tannery Accident & Injury Protect your Star Tannery family. Accident coverage from $10/mo. Local Stephens City Accident & Injury Stephens City accident insurance from a verified VA agent. Affordable Stephenson Accident & Injury Stephenson accident coverage. 24/7 protection for active families. Top-Rated Whitacre Accident & Injury Accident & injury plans in Whitacre. ER, fractures, dislocations covered. Compare Brucetown Accident & Injury Brucetown accidental injury insurance. Cash benefits from day one. Best Lake Holiday Accident & Injury Protect your Lake Holiday family. Accident coverage from $10/mo. Local Shawneeland Accident & Injury Shawneeland accident insurance from a verified VA agent.

🏢 Business Life

10 Cities

Affordable Clear Brook Business Life Clear Brook key person insurance. Protect your business continuity. Top-Rated Gore Business Life Buy-sell agreement coverage in Gore. SBA loan compliant. Compare Middletown Business Life Middletown business life insurance. Key employee retention coverage. Best Star Tannery Business Life Business continuity protection in Star Tannery from a 12-year agent. Local Stephens City Business Life Stephens City key person and partnership coverage. VA licensed. Affordable Stephenson Business Life Stephenson key person insurance. Protect your business continuity. Top-Rated Whitacre Business Life Buy-sell agreement coverage in Whitacre. SBA loan compliant. Compare Brucetown Business Life Brucetown business life insurance. Key employee retention coverage. Best Lake Holiday Business Life Business continuity protection in Lake Holiday from a 12-year agent. Local Shawneeland Business Life Shawneeland key person and partnership coverage. VA licensed.

🔑 Special Situations

10 Cities

Affordable Clear Brook Special Situations Clear Brook pre-existing condition coverage. Marijuana, diabetes, DUI accepted. Top-Rated Gore Special Situations High-risk life insurance in Gore. Foreign nationals and visa holders. Compare Middletown Special Situations Middletown coverage for ages 60-85. No medical exam options available. Best Star Tannery Special Situations Special situations insurance in Star Tannery. Substandard risk specialists. Local Stephens City Special Situations Stephens City high-risk coverage from a verified VA agent. Affordable Stephenson Special Situations Stephenson pre-existing condition coverage. Marijuana, diabetes, DUI accepted. Top-Rated Whitacre Special Situations High-risk life insurance in Whitacre. Foreign nationals and visa holders. Compare Brucetown Special Situations Brucetown coverage for ages 60-85. No medical exam options available. Best Lake Holiday Special Situations Special situations insurance in Lake Holiday. Substandard risk specialists. Local Shawneeland Special Situations Shawneeland high-risk coverage from a verified VA agent.

🕊️ Final Expense

10 Cities

Affordable Clear Brook Final Expense Clear Brook burial insurance. No medical exam plans from $5K to $50K. Top-Rated Gore Final Expense Final expense in Gore. Protect your family from end-of-life costs. Compare Middletown Final Expense Affordable Middletown burial coverage. Premiums locked — never increase. Best Star Tannery Final Expense Star Tannery guaranteed issue plans. Same-day approval available. Local Stephens City Final Expense Final expense for Stephens City seniors. Coverage from a 12-year VA agent. Affordable Stephenson Final Expense Stephenson burial insurance. No medical exam plans from $5K to $50K. Top-Rated Whitacre Final Expense Final expense in Whitacre. Protect your family from end-of-life costs. Compare Brucetown Final Expense Affordable Brucetown burial coverage. Premiums locked — never increase. Best Lake Holiday Final Expense Lake Holiday guaranteed issue plans. Same-day approval available. Local Shawneeland Final Expense Final expense for Shawneeland seniors. Coverage from a 12-year VA agent.

Official Resources

Know your rights in Frederick County.

State and federal resources for insurance consumers. Verify, research, protect.

Virginia State Corporation Commission — Bureau of Insurance

File complaints, verify agent licenses, and understand your rights under Virginia insurance law. VA Bureau of Insurance regulates all insurance in Virginia.

Visit scc.virginia.gov →.GOV

Verify Agent License (NIPR)

Look up June's National Producer Number (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides from the National Association of Insurance Commissioners on choosing coverage and filing complaints.

Visit content.naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for when buying life insurance and your federal protections.

Visit www.iii.org →.GOV

Frequently Asked Questions

Frederick County insurance — answered.

Six questions covering all product lines. Every answer Frederick County-specific.

💰

How much does life insurance cost in Frederick County?

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.

Frederick County

🏙️

What cities does June serve in Frederick County?

All 10 municipalities in Frederick County, including Clear Brook, Gore, Middletown, Star Tannery, Stephens City, Stephenson. Each location has access to the full range of life insurance products — term life, whole life, IUL, final expense, and supplemental health — through a licensed independent agent.

10 Cities

🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for diabetes, high blood pressure, heart disease, and cancer history. Options include simplified-issue and guaranteed-issue policies. Rates vary by carrier.

Special Situations

📋

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

⚱️

What is the average VA funeral cost?

Approximately $9,443 in Virginia. Final expense insurance covers burial, memorial, and medical bills — helping Frederick County families avoid this burden.

VA Data

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