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.
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.
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.
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.
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.
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.