June Marcia Williams

Your Insurance Agent in Toano, VA

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Toano, VA...

National Producer No.

17209549

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Custom Life Insurance Quotes in James City County, VA | Zero Hassle

Your Dedicated Advocate for Simplified-Issue Policies in James City County

Why Working with a Local VA Producer Beats the Big Carriers

Protect your family in James City County. 2 municipalities. 9 product lines. One licensed agent.

Licensed Virginia agent June Marcia Williams (#1575461, NPN 17209549) writes life insurance for James City 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 · James City, VA

Across James City County

As a licensed insurance producer, I am proud to serve the families of James City County, a community rich in history and poised for the future. From the bustling commuter corridors of I-64 and Route 199 to the historic streets of our county seat, Williamsburg, I am dedicated to helping my neighbors protect what matters most. My focus is on protecting assets for homeowners throughout the beautiful Virginia Peninsula and providing peace of mind for professionals utilizing the county's growing medical and commercial hubs. I offer personalized guidance to help you secure your family's financial well-being for every stage of life. (NPN: 17209549, Virginia License No: 1575461)

James City County Courthouse
Sentara Williamsburg Regional Medical Center
York River State Park

NPN17209549VA License1575461

How James City County compares to Virginia

VIRGINIA · 8.6M RESIDENTS JAMES CITY COUNTY · 79K RESIDENTS

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

78,818 JAMES CITY COUNTY RESIDENTS ↳ 0.9% of Virginia residents

Underwriting Guidelines

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

Life insurance carriers price James City County's ~83,000 residents — 6.5% lacking health insurance — against the local health profile: High cholesterol (42.1%), Obesity (32.5%), High blood pressure (30.0%) 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 ~83,000
Lack of health insurance (18–64) 6.5%

Healthcare-access indicator. Higher rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).
FIPS code 51095

4.1 9 reviews

James City County Government Center photo 1

Photos by James City County Government Center via Google Maps

View on Google Maps

James City County Government Center

Open now · Mon 8:00 AM – 5:00 PM

(757) 253-6728

jamescitycountyva.gov .GOV

Building E, 101 Mounts Bay Rd, Williamsburg, VA 23185, USA

Recent Reviews

Sue Saunders ★★★★★

"The folks at the JCC Tax Office are so very helpful. Staff are friendly, knowledgeable, and efficient. It’s so different from CT. At this busy time of the year, I must say thank you to these kind staf…"

Christina T ★★★★★

"Friendly staff, fast and efficient!"

Products Available

Nine product lines available in James City 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 James City County

Find coverage in your area.

Coverage is local across all 2 James City County cities — select your community below for product-specific underwriting and a direct line to your licensed agent.

📍 Cities in James City County

2Cities

Toano Williamsburg

🔍 Popular Searches

City × product — what James City County residents search for

🛡️ Life Insurance

Toano Term Life Insurance Term→Williamsburg Term Life Insurance Term→Toano Whole Life Insurance Whole→

🏥 Supplemental Health

Toano Critical Illness Insurance Critical→Williamsburg Hospital Indemnity Plans Hospital→

🏢 Business & Notary

Toano 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

2 Cities

Affordable Toano Term Life Toano income protection. Affordable term life for families in James City County. Top-Rated Williamsburg Term Life Level premiums for Williamsburg families. 10, 20, or 30-year terms available.

💎 Whole Life

2 Cities

Affordable Toano Whole Life Toano permanent coverage. Cash value accumulation plus lifetime protection. Top-Rated Williamsburg Whole Life Build wealth in Williamsburg with whole life. Tax-deferred cash value growth.

📈 Universal Life

2 Cities

Affordable Toano Universal Life Toano flexible life insurance. Index-linked growth with adjustable premiums. Top-Rated Williamsburg Universal Life IUL options in Williamsburg. Cash value tied to market indexes without market risk.

🏥 Critical Illness

2 Cities

Affordable Toano Critical Illness Toano critical illness protection. Lump-sum cash on diagnosis. Top-Rated Williamsburg Critical Illness Cancer, stroke, heart attack — cash benefits for Williamsburg families.

🏨 Hospital Indemnity

2 Cities

Affordable Toano Hospital Indemnity Toano hospital cash benefits. Daily income during inpatient stays. Top-Rated Williamsburg Hospital Indemnity Bridge your deductible gap in Williamsburg. Hospital indemnity coverage.

⚡ Accident & Injury

2 Cities

Affordable Toano Accident & Injury Toano accident coverage. 24/7 protection for active families. Top-Rated Williamsburg Accident & Injury Accident & injury plans in Williamsburg. ER, fractures, dislocations covered.

🏢 Business Life

2 Cities

Affordable Toano Business Life Toano key person insurance. Protect your business continuity. Top-Rated Williamsburg Business Life Buy-sell agreement coverage in Williamsburg. SBA loan compliant.

🔑 Special Situations

2 Cities

Affordable Toano Special Situations Toano pre-existing condition coverage. Marijuana, diabetes, DUI accepted. Top-Rated Williamsburg Special Situations High-risk life insurance in Williamsburg. Foreign nationals and visa holders.

🕊️ Final Expense

2 Cities

Affordable Toano Final Expense Toano burial insurance. No medical exam plans from $5K to $50K. Top-Rated Williamsburg Final Expense Final expense in Williamsburg. Protect your family from end-of-life costs.

Official Resources

Know your rights in James City 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

James City County insurance — answered.

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

💰

How much does life insurance cost in James City 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.

James City County

🏙️

What cities does June serve in James City County?

All 2 municipalities in James City County, including Toano, Williamsburg. 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.

2 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 James City County families avoid this burden.

VA Data

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