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›Northampton County›Cape Charles

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

Life Insurance in Cape Charles, VA

Top-Rated Financial Protection for Cape Charles Residents

Honest, Local Insurance Guidance for Your Family's Future in Northampton County

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

June Marcia Williams (NPN 17209549, VA #1575461) writes life insurance for Cape Charles, Northampton 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 · Cape Charles, VA

Cape Charles, VA — Your Local Producer

Living in Cape Charles, with the unique beauty of the Chesapeake Bay and Northampton County all around us, means appreciating a special quality of life. It's a life worth protecting. My name is June Marcia Williams, and as a licensed Virginia insurance producer, I help my neighbors secure that peace of mind. I work with individuals and families to understand their specific needs for personal insurance, from life and final expense policies to accident and critical illness coverage. My goal is to help you navigate your options with confidence, ensuring your loved ones are cared for, no matter what. (NPN: 17209549, Virginia License No: 1575461)

  • Cape Charles Central Park
  • Cape Charles Town Harbor
  • Cape Charles Museum & Welcome Center
NPN17209549VA License1575461

Cape Charles is home to approximately 1,200 residents in Northampton County, with a median age of 58.4 and a median household income of $51,000. About 57% of homes are owner-occupied; the median home value is $534,000. 55% of adults hold a bachelor's degree or higher; households with children make up 11%; veterans comprise 6% of residents. Average household size is 1.8. These demographic markers shape which life insurance products fit Cape Charles households.

How Cape Charles compares to Northampton County

NORTHAMPTON COUNTY · 12K RESIDENTS CAPE CHARLES · 1K RESIDENTS
Northampton County vs Cape Charles — population comparison Northampton County: 12,132 residents. Cape Charles: 1,183 residents, 9.8% of Northampton County population.
12,132 NORTHAMPTON COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
1,183 CAPE CHARLES RESIDENTS ↳ 9.8% of Northampton County residents
Underwriting Guidelines

Does obesity affect life insurance rates in Cape Charles, VA?

Yes, qualification is common in Cape Charles. Within Northampton County's ~12,000 residents — including the 10.0% currently without health coverage — 39.7% of adults manage obesity and 35.5% live with arthritis 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 Eastville →

📊 Top Health Considerations (CDC)

Top Health Considerations for Cape Charles (CITY) High cholesterol: 44.4%. High blood pressure: 45.9%. Obesity: 39.7%. Diagnosed diabetes: 17.7%. Current cigarette smoking: 14.3%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CAPE CHARLES High cholesterol 44.4% High blood pressure 45.9% Obesity 39.7% Diagnosed diabetes 17.7% Current cigarette smoking 14.3% 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

Northampton County Gov Portal .GOV
Population ~1,183
Lack of health insurance (18–64) 9.0%

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

FIPS code 5112808
Google Maps
1.0 1 review
Cape Charles Town Hall photo 1Cape Charles Town Hall photo 2Cape Charles Town Hall photo 3Cape Charles Town Hall photo 4
Photos by Bill Dyas , Dan R. Mills , elevaTOURS (dieselducy) , Neal (wv_pilgrim) via Google Maps
View on Google Maps
Cape Charles Town Hall
(757) 331-2176
capecharles.org
109 T-1113, Cape Charles, VA 23310, USA
Recent Reviews
Chris Caish ★☆☆☆☆
"Watch out for tourist traps, not friendly to tourists. Went to dinner on Mason Ave, came back to a $50 parking ticket for not "backing in" to the parking spot, very bizarre law. Poor signage for som…"
Available in Cape Charles

Life Insurance Products in Cape Charles, VA

9 insurance products available in Cape 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 Northampton County and Nearby Virginia Counties

Life Insurance by City Near Cape Charles, VA

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

🌟 Cities Served near Cape Charles

14 Cities · 3 Counties
Poquoson City1
Poquoson
Northampton CountyHome8
BirdsnestCheritonEastvilleExmoreFranktownMachipongoNassawadoxWillis Wharf
York County5
Bethel ManorGraftonSeafordTabbYorktown
Official Resources

Know your rights in Cape 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

Cape Charles Life Insurance Questions

💰

How much does life insurance cost in Cape 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.

Cape 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 Cape Charles?

Yes. June serves all of Cape Charles and every municipality in Northampton 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