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Find Long-Term Care Insurance Agents Near You in Panama City, FL

Browse long-term care insurance agents serving Panama City, Florida. Updated 2026-07-14.

The top-rated long-term care insurance agent in Panama City, Florida is John Douglas Insurance & Financial Services, rated 4.9 stars across 410 reviews. Other highly rated options include Harry Grizzle Insurance, Acceptance Insurance, Peoples First Insurance. This directory lists 17 long-term care insurance agents serving Panama City.

Showing 17 long-term care insurance agents in Panama City, FLListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1John Douglas Insurance & Financial Services2217 St Andrews Blvd(850) 769-7785
2Harry Grizzle Insurance2104 W 23rd St(850) 598-0450
3Acceptance Insurance609 E 23rd St(850) 204-3793
4Peoples First Insurance1022 W 23rd St Suite 250(850) 770-7047
5Ellis Agency Insurance1134 Harrison Ave(850) 763-1627
6Acentria Insurance501 W 11th St(850) 257-2990
7Specialty Insurance Group1143 Jenks Ave(850) 747-4959
8Agente de Seguros - Josselyn Pineda1041 Harrison Ave(850) 567-7468
9Broward Hall Insurance455 Harrison Ave ste d(850) 769-4828
10Providence Risk Insurance LLC5501 Cherry St(850) 785-3717
JD
2217 St Andrews Blvd
John Douglas Insurance & Financial Services
Long-Term Care Insurance Agent · Panama City, FL

John Douglas Insurance & Financial Services serves the Panama City, Florida, metro area as a local long-term care insurance agent. The company provides expert guidance on planning for future care needs, helping clients select policies that cover home care, assisted living, and nursing home expenses. It navigates the complexities of Florida’s long-term care landscape, offering personalized consultations to assess individual health and financial goals. As part of its services, it handles both traditional long-term care policies and hybrid life insurance policies with long-term care benefits in the Panama City region.

HG
2104 W 23rd St
Harry Grizzle Insurance
Long-Term Care Insurance Agent · Panama City, FL

Harry Grizzle Insurance provides guidance on long-term care insurance solutions for individuals in Panama City, Florida and the surrounding area. The agency helps clients evaluate policy options designed to cover costs of assisted living, nursing home stays, and in-home support services. Regular policy reviews and updates are offered to keep coverage aligned with changing care needs and financial circumstances. Single-family homes, apartments, retail, and restaurants are among the property types it regularly assists in servicing.

AI
609 E 23rd St
Acceptance Insurance
Long-Term Care Insurance Agent · Panama City, FL

Acceptance Insurance in Panama City, Florida is known for providing Long-Term Care Insurance Agent services that help individuals plan for future care needs. It assists clients in reviewing policy options and navigating coverage to protect assets while addressing long-term health costs. Residents can arrange consultations focused on designing solutions that match personal circumstances or budgets. A specialty service this agency can add on is offering policy reviews for existing plans to identify potential coverage gaps or adjustments.

PF
1022 W 23rd St Suite 250
Peoples First Insurance
Long-Term Care Insurance Agent · Panama City, FL

Peoples First Insurance serves homeowners, retirees, and families in Panama City, FL, who seek guidance in navigating long-term care insurance policies. The agency helps clients understand coverage options that protect savings against the high costs of extended care services. It provides personalized consultations to explain policy features, including eligibility requirements and benefit structures. Peoples First Insurance assists individuals in planning for future needs while addressing concerns related to aging and chronic conditions. The agency also covers surrounding Bay County communities, including the Springfield and Callaway areas.

EA
1134 Harrison Ave
Ellis Agency Insurance
Long-Term Care Insurance Agent · Panama City, FL

Serving Panama City and the surrounding communities of Bay County, Ellis Agency Insurance handles long-term care insurance planning for local residents. It specializes in policies that help cover the costs of extended care for seniors. The agency assists clients in assessing their personal needs and comparing available coverage options. To handle a typical case, it first reviews the client’s health profile and financial situation, then presents suitable policy choices based on that individual assessment.

AI
501 W 11th St
Acentria Insurance
Long-Term Care Insurance Agent · Panama City, FL

Acentria Insurance serves the Panama City, Florida, metro area and surrounding Bay County as a Long-Term Care Insurance Agent. The agency assists clients with evaluating their future care needs, focusing on financial strategies to cover extended nursing home stays or home-based assistance. It guides individuals through the complexities of policy options, including inflation protection and shared-care benefits. Acentria also addresses the specific documentation required for hybrid life and long-term care policy applications in this region.

SI
1143 Jenks Ave
Specialty Insurance Group
Long-Term Care Insurance Agent · Panama City, FL

Specialty Insurance Group in Panama City, FL helps clients understand the fundamental difference between one-time purchase long-term care policies and those with recurring benefit options. Coverage through a local agent focuses on protecting personal assets against the high cost of extended care services, including home health aides and assisted living facilities. They assess each client’s financial situation to recommend appropriate policy structures. Service runs on an as-needed basis for policy reviews, initial consultations, and claims support.

AD
1041 Harrison Ave
Agente de Seguros - Josselyn Pineda
Long-Term Care Insurance Agent · Panama City, FL

As retirement communities and seasonal residents return to Panama City each fall, local seniors often seek guidance on safeguarding assets against future medical costs. Josselyn Pineda serves the area as a long-term care insurance agent, helping clients evaluate options for covering extended nursing or home-based support. The process begins with an assessment of each individual’s current health status, family history, and financial objectives to recommend appropriate policy structures. Coverage selections may be adjusted for inflation or waiting periods. An initial face-to-face consultation is arranged at no cost to review specific needs.

BH
455 Harrison Ave ste d
Broward Hall Insurance
Long-Term Care Insurance Agent · Panama City, FL

Broward Hall Insurance in Panama City, FL specializes in helping individuals secure coverage for future extended care needs. It guides clients through policy options that protect assets and provide access to various support services, including in-home care or assisted living arrangements. The agency works with local families to craft personalized plans addressing different health scenarios and budget considerations. With hurricane season affecting many residents in the region, it assists clients in evaluating their policies to manage potential long-term care needs following a storm-related injury or period of recovery.

PR
5501 Cherry St
Providence Risk Insurance LLC
Long-Term Care Insurance Agent · Panama City, FL

Providence Risk Insurance LLC assists individuals and families in planning for potential future care needs as a general insurance brokerage. The company specializes in long-term care insurance options, offering guidance on policies that help cover expenses associated with assisted living, nursing homes, and in-home care. The firm serves clients throughout Panama City, Florida, working with residents to evaluate coverage suited to their personal financial situations. Providence Risk Insurance LLC can provide these insurance solutions for various commercial sectors, including local offices, warehouses, and food service establishments.

NA
1229 Jenks Ave
Nichols & Associates Insurance Services
Long-Term Care Insurance Agent · Panama City, FL
(850) 747-0288
insurancepanamacityfl.com
BI
1109 Beck Ave
Blackwell Insurance
Long-Term Care Insurance Agent · Panama City, FL
(850) 769-2225
blackwellinsurance.net
GF
1537 Jenks Ave
Glen Frye Insurance Agency
Long-Term Care Insurance Agent · Panama City, FL
(850) 872-0822
DI
222A S Tyndall Pkwy
Deason Insurance
Long-Term Care Insurance Agent · Panama City, FL
(850) 522-5005
JL
1320 N Tyndall Pkwy
Jessica Lyng Insurance
Long-Term Care Insurance Agent · Panama City, FL
(850) 265-6088
jessicalynginsurance.com
CI
429 S Tyndall Pkwy # S
CompassionateCare Insurance Solutions
Long-Term Care Insurance Agent · Panama City, FL
(850) 270-8522
compassionatecareins.com
WS
1205 Hamilton Ave
Well Spring Insurance LLC
Long-Term Care Insurance Agent · Panama City, FL
(850) 809-7214

What Does a a Long-Term Care Insurance Agent in Panama City Cost?

In Florida, long-term care insurance premiums vary widely based on age, health, and benefit amount. A typical policy for a healthy 55-year-old might cost 1,500 to 3,000 dollars per year. For a 65-year-old, annual premiums often range from 2,500 to 5,000 dollars. Partnership policies may have slightly higher premiums but offer asset protection. This is general information and not insurance advice. Always consult a licensed agent for quotes specific to your situation.

About long-term care insurance agents in Panama City

Long-term care insurance agents in Panama City, Florida help residents plan for future care needs while protecting savings. Florida has a Partnership for Long-Term Care program that allows policyholders to keep more assets when applying for Medicaid. Agents in this coastal community understand the specific needs of retirees and families along the Gulf Coast.

Frequently Asked Questions

What does a long-term care insurance agent in Panama City do?

An agent helps you compare policies from different insurers to find coverage that fits your budget and health needs. They explain Florida-specific options like the Partnership program and inflation protection. Agents do not sell one-size-fits-all plans but tailor recommendations to your situation.

How does Florida Partnership for Long-Term Care affect my policy?

Florida Partnership policies allow you to protect assets equal to the amount your policy pays out. For example, if your policy pays 200,000 dollars in benefits, you can keep 200,000 dollars in assets and still qualify for Medicaid. This is a key reason many Panama City residents choose a qualified agent.

What are the age and health requirements for buying a policy in Florida?

Most insurers in Florida require you to be between 40 and 84 years old and pass medical underwriting. Some conditions like recent stroke or dementia may disqualify you. An agent can help you find a policy even if you have minor health issues.

Long-Term Care Insurance Agents in Other Florida Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each long-term care insurance agent's credentials and current standing with your state Department of Insurance.