Insuring Lives, Enriching Futures

At Nichols & Associates, we help individuals, families, and businesses find the right insurance coverage for their needs and budget. As an authorized Florida Blue agency, we specialize in health, Medicare, dental, life, and disability insurance. With offices in Panama City and Port St. Joe, we proudly serve the Florida Panhandle, including Bay County and Gulf County.

Beach Family Image

Comprehensive Insurance Solutions for Every Need

Trusted Local Insurance Specialists in Panama City & Port St. Joe

We believe in making insurance simple, transparent, and tailored to your needs. Whether you're an individual, family, or business owner, we offer coverage that provides peace of mind and financial protection.

Our mission is simple:

Honest guidance so you can make informed decisions.

Affordable, high-quality coverage tailored to your needs.

A local team that cares about your financial well-being.

Health Insurance

Get the right coverage for you and your family with plans from Florida Blue and other top carriers. We’ll help you compare options, so you get affordable, high-quality coverage that fits your needs.

Medicare Plans

Turning 65? We simplify the process of choosing Medicare Advantage, Supplement, and Prescription Drug Plans to maximize your benefits and minimize your costs.

Dental Insurance

Dental care is essential for overall health. We offer affordable plans that help cover routine checkups, cleanings, and major dental work so you can protect your smile.

Hero cut out image

Disability Insurance

If you’re unable to work due to an illness or injury, disability insurance helps replace lost income. We offer short-term and long-term disability plans to protect your financial future.

Life Insurance

Secure your family’s future with the right life insurance plan. Choose from term life, whole life, or universal life policies to ensure peace of mind for your loved ones.

Hero cut out image
Hero cut out image

Vision Insurance

With affordable vision coverage, it’s easier to stay on top of routine eye exams and the cost of glasses or contacts. These visits can also catch early signs of other health concerns, making vision care a smart part of your overall wellness.

Group Insurance for Businesses

We provide custom employee benefits packages, including health, dental, vision, and voluntary benefits for businesses of all sizes. Whether you need small business health insurance or a large group plan, we’ll find the best fit for your team.

Hero cut out image

Get Started Today

Choosing the right insurance plan doesn’t have to be complicated. Let our specialists help you find affordable, reliable coverage that protects your health, family, and future.

An Insurance Agency Committed to Serving You

Shield check

Trusted Local Specialists

We’ve been serving Panama City, Port St. Joe, and the surrounding areas for years. We understand the unique needs of Florida residents and businesses.

Shield check

Personalized Service

Choosing insurance can feel overwhelming. Our team takes the time to listen, educate, and find the best plan for your situation.

Shield check

No-Cost Consultations

Have questions? We’re here to help. We offer free insurance reviews to ensure you’re getting the right coverage at the best price.

Shield check

Top Insurance Carriers

We work with Florida Blue, Guardian, MetLife, Ohio National, and more, so you always have access to high-quality plans.

Coverage & Support Across the Panhandle

Nichols & Associates proudly serves individuals, families, and businesses throughout the panhandle, including Panama City, Port St. Joe, and beyond! Wherever you are in the Florida Panhandle, we’re here to help.

Port St. Joe Office

2475 Garrison Ave # 202
Port St Joe, FL 324


(inside Gulf County Health Dept.)

Nichols and Associates has always treated my family and business with professional service and unmatched expertise. We are fortunate to have their comprehensive knowledge at our disposal.

- Sally R