June Marcia Williams

Your Insurance Agent in Farnham, VA

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Farnham, VA...

National Producer No.

17209549

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Top-Rated Life Insurance in Richmond County, VA | Local Expert

Protecting Families Across All 4 Richmond County Municipalities

Why Richmond County Residents Trust June for Same-Day Quotes

Protect your family in Richmond County. 4 municipalities. 9 product lines. One licensed agent.

Licensed Virginia agent June Marcia Williams (#1575461, NPN 17209549) writes life insurance for Richmond County, Virginia residents — fully-underwritten and simplified-issue products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent

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🛡️ NPN Verified

⭐ 5-Star Service

❤️ 3K+ Satisfied

County Hub · Richmond, VA

Across Richmond County

I am proud to serve the families and businesses of Richmond County, a vital hub in Virginia's historic Northern Neck. From the county seat in Warsaw to the shores of the Rappahannock River, this community is defined by its strong local economy and its role as a center for the surrounding region. I specialize in helping my neighbors navigate their insurance options, whether they are commuters traveling along Route 360 or families relying on our excellent local medical facilities. My focus is on providing personalized life and health insurance solutions to protect your assets and secure your family's future. (June Marcia Williams, NPN: 17209549, Virginia License No: 1575461)

Richmond County Courthouse
VCU Health Warsaw Medical Center
Rappahannock River Valley National Wildlife Refuge

NPN17209549VA License1575461

How Richmond County compares to Virginia

VIRGINIA · 8.6M RESIDENTS RICHMOND COUNTY · 9K RESIDENTS

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

8,968 RICHMOND COUNTY RESIDENTS ↳ 0.1% of Virginia residents

Underwriting Guidelines

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

Life insurance carriers price Richmond County's ~9,000 residents — 12.5% lacking health insurance — against the local health profile: High blood pressure (42.5%), Obesity (37.4%), High cholesterol (33.7%) 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 ~9,000
Lack of health insurance (18–64) 12.5%

Healthcare-access indicator. Higher rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).
FIPS code 51159

5.0 2 reviews

View on Google Maps

Richmond County School Board

(804) 333-3681

richmond-county.k12.va.us

92 Walnut St, Warsaw, VA 22572, USA

Recent Reviews

Dan Pounds ★★★★★

"Thank God somebody in this country is standing up for our history thank you Virginia! Please replace our history that has been torn out of our country!"

Randall Furrow ★★★★★

Products Available

Nine product lines available in Richmond 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 Richmond County

Find coverage in your area.

Coverage is local across all 4 Richmond County cities — select your community below for product-specific underwriting and a direct line to your licensed agent.

📍 Cities in Richmond County

4Cities

Farnham Sharps Warsaw Manchester

🔍 Popular Searches

City × product — what Richmond County residents search for

🛡️ Life Insurance

Farnham Term Life Insurance Term→Sharps Term Life Insurance Term→Warsaw Term Life Insurance Term→Farnham Whole Life Insurance Whole→

🏥 Supplemental Health

Farnham Critical Illness Insurance Critical→Sharps Hospital Indemnity Plans Hospital→Warsaw Accident & Injury Coverage Accident→

🏢 Business & Notary

Farnham 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

4 Cities

Affordable Farnham Term Life Farnham income protection. Affordable term life for families in Richmond County. Top-Rated Sharps Term Life Level premiums for Sharps families. 10, 20, or 30-year terms available. Compare Warsaw Term Life Compare Warsaw term life rates from top carriers. Living benefits included. Best Manchester Term Life Manchester family coverage. Income replacement from a verified VA agent.

💎 Whole Life

4 Cities

Affordable Farnham Whole Life Farnham permanent coverage. Cash value accumulation plus lifetime protection. Top-Rated Sharps Whole Life Build wealth in Sharps with whole life. Tax-deferred cash value growth. Compare Warsaw Whole Life Warsaw legacy protection. Permanent coverage with guaranteed cash value. Best Manchester Whole Life Whole life insurance for Manchester families. Coverage that never expires.

📈 Universal Life

4 Cities

Affordable Farnham Universal Life Farnham flexible life insurance. Index-linked growth with adjustable premiums. Top-Rated Sharps Universal Life IUL options in Sharps. Cash value tied to market indexes without market risk. Compare Warsaw Universal Life Warsaw universal life. Flexible coverage adapting to your financial goals. Best Manchester Universal Life Adjustable premiums and death benefit in Manchester from a verified agent.

🏥 Critical Illness

4 Cities

Affordable Farnham Critical Illness Farnham critical illness protection. Lump-sum cash on diagnosis. Top-Rated Sharps Critical Illness Cancer, stroke, heart attack — cash benefits for Sharps families. Compare Warsaw Critical Illness Warsaw supplemental coverage. Critical illness pays regardless of health plan. Best Manchester Critical Illness Lump-sum critical illness in Manchester from a verified VA agent.

🏨 Hospital Indemnity

4 Cities

Affordable Farnham Hospital Indemnity Farnham hospital cash benefits. Daily income during inpatient stays. Top-Rated Sharps Hospital Indemnity Bridge your deductible gap in Sharps. Hospital indemnity coverage. Compare Warsaw Hospital Indemnity Warsaw hospital indemnity. Pays cash directly — no network restrictions. Best Manchester Hospital Indemnity Daily cash benefits for Manchester hospital stays. From $10/mo.

⚡ Accident & Injury

4 Cities

Affordable Farnham Accident & Injury Farnham accident coverage. 24/7 protection for active families. Top-Rated Sharps Accident & Injury Accident & injury plans in Sharps. ER, fractures, dislocations covered. Compare Warsaw Accident & Injury Warsaw accidental injury insurance. Cash benefits from day one. Best Manchester Accident & Injury Protect your Manchester family. Accident coverage from $10/mo.

🏢 Business Life

4 Cities

Affordable Farnham Business Life Farnham key person insurance. Protect your business continuity. Top-Rated Sharps Business Life Buy-sell agreement coverage in Sharps. SBA loan compliant. Compare Warsaw Business Life Warsaw business life insurance. Key employee retention coverage. Best Manchester Business Life Business continuity protection in Manchester from a 12-year agent.

🔑 Special Situations

4 Cities

Affordable Farnham Special Situations Farnham pre-existing condition coverage. Marijuana, diabetes, DUI accepted. Top-Rated Sharps Special Situations High-risk life insurance in Sharps. Foreign nationals and visa holders. Compare Warsaw Special Situations Warsaw coverage for ages 60-85. No medical exam options available. Best Manchester Special Situations Special situations insurance in Manchester. Substandard risk specialists.

🕊️ Final Expense

4 Cities

Affordable Farnham Final Expense Farnham burial insurance. No medical exam plans from $5K to $50K. Top-Rated Sharps Final Expense Final expense in Sharps. Protect your family from end-of-life costs. Compare Warsaw Final Expense Affordable Warsaw burial coverage. Premiums locked — never increase. Best Manchester Final Expense Manchester guaranteed issue plans. Same-day approval available.

Official Resources

Know your rights in Richmond 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

Richmond County insurance — answered.

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

💰

How much does life insurance cost in Richmond 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.

Richmond County

🏙️

What cities does June serve in Richmond County?

All 4 municipalities in Richmond County, including Farnham, Sharps, Warsaw, Manchester. 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.

4 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 Richmond County families avoid this burden.

VA Data

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