The top-rated life insurance agent in Panama City, Florida is John Douglas Insurance & Financial Services, rated 4.9 stars across 404 reviews. Other highly rated options include Harry Grizzle Insurance, Michael Lovchuk - State Farm Insurance Agent, Acceptance Insurance. This directory lists 24 life insurance agents serving Panama City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | John Douglas Insurance & Financial Services | 2217 St Andrews Blvd | (850) 769-7785 |
| 2 | Harry Grizzle Insurance | 2104 W 23rd St | (850) 598-0450 |
| 3 | Michael Lovchuk - State Farm Insurance Agent | 3477 FL-77 a | (850) 769-9919 |
| 4 | Acceptance Insurance | 609 E 23rd St | (850) 204-3793 |
| 5 | Peoples First Insurance | 1022 W 23rd St Suite 250 | (850) 770-7047 |
| 6 | Ellis Agency Insurance | 1134 Harrison Ave | (850) 763-1627 |
| 7 | St. Andrews Insurance Agency, Inc. | 1742 W W 15th St | (850) 785-2383 |
| 8 | Lori Pons - State Farm Insurance Agent | 429 S Tyndall Pkwy suite a | (850) 769-1617 |
| 9 | Daffin Insurance Services | 755 Harrison Ave | (850) 769-8183 |
| 10 | Acentria Insurance | 501 W 11th St | (850) 257-2990 |
John Douglas Insurance & Financial Services serves the Panama City, FL area, offering life insurance agent services to local residents and businesses. The company helps clients evaluate their financial protection needs within the broader Florida Panhandle market. Like other area agents, it assists with policy selection that may include term or whole life coverage. The agency also works on financial service approaches to support long-term income strategies. Among the specific services it handles are final expense planning and mortgage protection policies designed for this region.
Harry Grizzle Insurance offers life insurance coverage to individuals and families throughout Panama City, FL, including term life and whole life policies. The agency assists clients with understanding policy options, completing applications, and reviewing beneficiaries. Routine services include coverage updates, policy reviews to match changing financial needs, and claims support for beneficiaries. The agency works with single-family homes, apartments, retail businesses, and restaurants.
Serving Panama City, Florida, and the surrounding communities, Michael Lovchuk - State Farm Insurance Agent handles life insurance policies designed to provide financial protection for local families. The agency assists clients in understanding coverage options that can help secure a beneficiary’s future in the event of an unexpected loss. A typical job is approached by first reviewing an individual’s current needs and long-term goals, then tailoring a simple policy recommendation to fit that specific situation.
Acceptance Insurance serves homeowners, families, and local business owners in the Panama City area by offering life insurance policies tailored to provide financial security for loved ones. Clients receive guidance on selecting coverage that supports long-term planning and estate needs. The agency also supports renters and young professionals seeking affordable protection plans alongside traditional term life options. As a life insurance agent, it assists with policy comparisons and application processes. Its services additionally extend to customers in the nearby Lynn Haven area of the metro region.
For clients needing life insurance, the company offers both single-purchase policies for a set term and ongoing coverage options that renew on a schedule. Peoples First Insurance in Panama City, FL, helps individuals assess their financial needs and select appropriate protection against unforeseen events. The agent guides clients through the process of comparing available term and whole life plans to suit their budget. Service is provided on a one-time basis during policy setup or as scheduled for periodic policy reviews.
Ellis Agency Insurance offers term life, whole life, and universal life policy options for individuals and families in Panama City, Florida. The agency also assists clients with beneficiary planning and policy reviews to ensure sufficient coverage over time. They work with people at different life stages, from young couples starting out to retirees looking to finalize their estate plans. As the fall hurricane season approaches, the agency helps local residents evaluate whether existing life insurance policies adequately address storm-related financial risks for their dependents.
As spring storms approach the Gulf Coast, residents in and around Panama City often review their financial protections. St. Andrews Insurance Agency, Inc. provides guidance on life insurance policies tailored to different stages of life and family needs. Local agents help clients compare term and permanent options, ensuring coverage aligns with individual budgets and long-term goals. A thorough initial assessment of current coverage and future obligations is completed during the first consultation appointment.
Lori Pons, operating as a State Farm Insurance Agent in Panama City, FL, provides a range of life insurance options designed to protect families and individuals financially. In addition to standard policies, the agency offers specialized coverage such as final expense and mortgage protection plans. This practice serves local business owners and employees, addressing insurance needs for various commercial settings including offices, warehouses, and food service operations.
Serving residents of Panama City, FL, Daffin Insurance Services assists clients with life insurance policies tailored to personal and family needs. Commercial coverage options are also offered, and the service area extends throughout the local region and surrounding communities. The agency helps guide individuals and business owners through the selection of appropriate life insurance plans. Follow-up and repeat service are provided between regular visits to ensure coverage remains aligned with changing circumstances.
What Does a a Life Insurance Agent in Panama City Cost?
Term life insurance in Florida typically costs between $25 and $100 per month for a healthy 35-year-old seeking a 20-year $500,000 policy. Whole life insurance premiums range from $100 to $300 per month for similar coverage. Costs vary by age, health, tobacco use, and policy type. This is general information and not insurance advice.
About life insurance agents in Panama City
Life insurance agents in Panama City, Florida help residents choose coverage that protects their families and meets state requirements. Florida law requires agents to hold a valid 2-15 or 2-14 license issued by the Florida Department of Financial Services. Local agents can explain how Florida community property laws or hurricane risks may affect policy selection.
Frequently Asked Questions
What license does a life insurance agent need in Florida?
Agents must hold a 2-15 Life and Health or 2-14 Life license from the Florida Department of Financial Services. They must complete pre-licensing education and pass a state exam. Continuing education is required every two years to renew the license.
How does Florida law affect life insurance beneficiaries?
Florida law automatically revokes a former spouse as beneficiary upon divorce unless the policy states otherwise. This is covered under Florida Statute 732.703. Agents can help you update beneficiary designations to match your current wishes.
Can a life insurance agent help with a free look period in Florida?
Yes. Florida law gives you a 10-day free look period for most life insurance policies. During this time you can cancel the policy for a full refund. An agent can explain how this period works and what steps to take if you decide to cancel.
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