Joe Williams Insurance

Our Team

Joe Williams

Joe has over 50 years of experience in insurance, serving thousands of customers as former Agent/Owner of the Joe Williams State Farm Agency in the areas of insurance and financial services. He is a graduate of Lincoln University of PA and a long time resident of Delaware. Licensed in Property, Casualty, Health, Life, Surety and Variable Annuities, Joe is now specializing in mortgage protection life insurance, final expense life insurance, retirement planning through universal life policies, and retirement protection through the use of fixed index annuities with multiple insurance carriers.

Carol B.

Carol began her insurance career in April 2007 at Joe Williams State Farm Insurance Agency. In April 2023, Carol left Joe Williams State Farm Agency and started her sales career as a licensed insurance specialist with Joe Williams Insurance, Inc.

Kayla W.

Kayla began her insurance career as a receptionist in September 2018 at Joe Williams State Farm Insurance Agency. In April 2023, Kayla left Joe Williams State Farm Agency and started her career as a marketing specialist with Joe Williams Insurance Inc.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

What’s the purpose of life insurance?

The primary reason to own life insurance is so that your beneficiary(ies) can receive a monetary payout — called the “death benefit” — if you pass away while you are covered under the policy.

How much life insurance coverage you purchase is up to you.

You can purchase an amount of coverage to correspond with what you’d like the death benefit to be used for — to pay for your final expenses, make up for the loss of your income so your family can cover their living expenses, finance care for a dependent with special needs, pay off debts or pay for your kids’ college tuition.

Do I need life insurance while I’m young and single?

Whether you want to purchase life insurance is your decision. If you have debt, such as student loans, you may wish to have life insurance to help pay off those debts, as well as pay your funeral costs — which average between $5,000 and $10,000 in the U.S.

A practical reason to purchase life insurance while you’re young is because it is usually less expensive when you are young and healthy. Life insurance will only become more expensive as you age, so it may not pay to wait.

I’m married. Do we both need life insurance?

There may be good reasons for both spouses to have life insurance coverage.

If your household is being supported by two salaries, the death of one spouse may cause financial hardship for the other, adding to the emotional pain.

If you have a family, this financial stress can seem even more overwhelming. If your spouse is not employed now, they may need to start working if you die. And they will probably encounter new expenses as they learn to manage as a single parent — such as child care and household maintenance.

Life insurance can provide immediate stability in the short run, and make things like paying for kids’ college education possible in the long run.