Insuring Lives, Enriching Futures

Nichols & Associates offers a full range of insurance products to include, Health, Medicare, Dental and Disability Insurance in the Panama City, Florida area.

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Panama City Area’s Premier Florida Health, Medicare, Dental, Life, Insurance Agency

The mission of Nichols & Associates is to serve people by providing insurance coverage with integrity and honesty while keeping in mind the clients best interest. Our goal is to establish a successful partnership with our clients and exceed their expectations of price, service and expertise. We, at Nichols and Associates, are committed to providing the best possible insurance service available.

Our company offers many affordable insurance products to all: individuals, families, and businesses. We are licensed to provide Health insurance, Life insurance, Disability insurance, Supplemental Insurance (Cancer, Accident, Critical Care), Medicare and Dental insurance. Companies we carry include: Florida Blue, Ohio National, and Guardian.


You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With today's health care costs on the rise, who will pay your bills if you have a serious accident or a major illness? The purpose of health insurance is to provide protection for you and your family financially in case you need medical attention. You can't predict what your medical bills will be, but you are capable of controlling your health care costs.


Nichols & Associates is here to help make your Medicare journey easier. Anyone over 65 is eligible for Medicare, a federal health insurance program. With our expert help, you’ll soon be able to make an easy transition to a plan with the benefits you want, at a price that meets your budget. We’ll take the guesswork and stress out of finding the right plan for you, whether that’s bundles the coverage you get with government funded Medicare with extra benefits, like dental, hearing and vision care, and prescription drug coverage, and or helps you pay for your medications or help pay costs Original Medicare doesn't cover. Give us a call today.


Dental Insurance provides coverage for oral health care for individuals, groups, and businesses . Dental care pays expenses for treatment and care of dental disease and accidents to teeth.

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Disability Insurance

Disability insurance, in the event you can not work, assists with paid sick leave, short-term disability, and long-term disability benefits. Make sure you and your future income are protected with disability insurance.

Life Insurance

Nichols & Associates provides policies of life Insurance, temporary or permanent, and universal insurance. No one type of insurance is better than the other because each policy is created to suit you and your family's every need.

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Long Term Care Insurance

Long-Term Care Insurance is designed to cover personal and custodial care in your home, facility or community. The services and support Long-Term Care provides will assist in daily living needs.

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