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Home›Virginia›Lee County›St. Charles

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

Securing Families Across Lee County with 9 Tailored Product Lines

Why St. Charles Residents Rely on June for Complete Peace of Mind

Your local licensed agent in St. Charles, Lee County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, VA #1575461) writes life insurance for St. Charles, Lee County, Virginia 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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🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · St. Charles, VA

St. Charles, VA — Your Local Producer

Hello to my neighbors in St. Charles. Living here in Lee County, we understand the value of a strong, resilient community and looking out for one another. As a licensed insurance producer, I bring that same local commitment to helping you protect what matters most. My name is June Marcia Williams, and I specialize in personal insurance lines designed to safeguard your family and your future. Whether you're planning for the long term or preparing for the unexpected, I can help you explore your options. As an individual producer (NPN: 17209549, Virginia License No: 1575461), I'm dedicated to providing clear guidance.

  • St. Charles Post Office
  • Main Street
  • St. Charles Elementary School
NPN17209549VA License1575461

St. Charles is home to approximately 64 residents in Lee County, with a median age of 50.9 and a median household income of $18,800. About 75% of homes are owner-occupied; the median home value is $14,600. 0% of adults hold a bachelor's degree or higher; households with children make up 7%; veterans comprise 0% of residents. Average household size is 2.3. These demographic markers shape which life insurance products fit St. Charles households.

How St. Charles compares to Lee County

LEE COUNTY · 22K RESIDENTS ST. CHARLES · 64 RESIDENTS
Lee County vs St. Charles — population comparison Lee County: 22,287 residents. St. Charles: 64 residents, 0.3% of Lee County population.
22,287 LEE COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
64 ST. CHARLES RESIDENTS ↳ 0.3% of Lee County residents
Underwriting Guidelines

Are St. Charles residents with arthritis able to qualify for life insurance?

Yes. Lee County's health profile — 22,000 residents, 12.0% uninsured, 28.7% adults with arthritis, 23.8% with current cigarette smoking — shapes how A-rated carriers tier rate classes for St. Charles applicants. Standard or Preferred is achievable when arthritis is well-controlled; substandard tables apply when control is recent or partial.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Saint Charles →

📊 Top Health Considerations (CDC)

Top Health Considerations for St. Charles (CITY) High cholesterol: 44%. High blood pressure: 44.7%. Obesity: 43%. Diagnosed diabetes: 17.9%. Current cigarette smoking: 23.8%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · ST. CHARLES High cholesterol 44.0% High blood pressure 44.7% Obesity 43.0% Diagnosed diabetes 17.9% Current cigarette smoking 23.8% 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

Lee County Gov Portal .GOV
Population ~64
Lack of health insurance (18–64) 11.9%

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

FIPS code 5169792
Google Maps
St. Charles civic building photo 1St. Charles civic building photo 2St. Charles civic building photo 3St. Charles civic building photo 4
Photos by sahan jayarathna , Jin Zou (阿瑾) , Balaji Perumal , St Charles City Hall via Google Maps
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Available in St. Charles

Life Insurance Products in St. Charles, VA

9 insurance products available in St. Charles

🛡️ 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 Lee County and Nearby Virginia Counties

Life Insurance by City Near St. Charles, VA

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

🌟 Cities Served near St. Charles

25 Cities · 3 Counties
Dickenson County8
BeeBirchleafBreaksClinchcoClintwoodHaysiMcClureNora
Lee CountyHome9
Ben HurDrydenEwingJonesvilleKeokeePennington GapRose HillSaint CharlesStickleyville
Russell County8
CastlewoodClevelandCouncilDanteHonakerLebanonRosedaleSwords Creek
Official Resources

Know your rights in St. Charles.

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

St. Charles Life Insurance Questions

💰

How much does life insurance cost in St. Charles?

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.

St. Charles
📋

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 St. Charles?

Yes. June serves all of St. Charles and every municipality in Lee 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.

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