Nichols & Associates Of Bay County
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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: Blue Cross Blue Shield of Florida, Ohio National, and United Concordia.
Services
At Nichols & Associates, we specialize in finding customized solutions to your insurance needs that optimize your benefits. We look at each client's unique situation and work closely with you to find solutions that will work for you now as well as in the future. Our customer service-oriented approach has helped us to develop lasting relationships that don't end when we start your policy.
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.
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. Members are free to choose any dentist they wish. However, by choosing a BlueDental Choice Plus participating dentist, you receive maximum benefits and are protected from balance billing.
Your income is a valuable asset and a financial foundation for you and your family. To ensure that you maintain your current lifestyle and protect your family's future, disability insurance provides a set income after an injury or illness occurs. Disability insurance is a form of insurance that insures that beneficiaries receive income against the risk that a disability will make working impossible.
Life Insurance provides the opportunity to protect your family's financial future upon the insured's death. 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.
Reviews (5)
Jgradym Grady
Jgradym Grady
Dec 31, 2020
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Went there when I decided to change my supplemental health insurance provider. Given lots of good advice, shown options and was not rushed. Very nice talking to a real local person face to face instead of some random salesperson in a call center. Very happy with my new insurance company.
Julie Macgregor
Julie Macgregor
Dec 01, 2020
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Critical: Responsiveness
Too busy for long term customers. One associate is really bad, doesn't follow up, doesn't return phone calls, even the boss os too busy. Moving my meager business somewhere else.
Eddie Nelson
Eddie Nelson
Nov 25, 2020
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I have always has a good experience here. Matthew Sowell has always been eager to help me with my insurance needs.
Carla Goff
Carla Goff
Oct 07, 2020
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Love these guys and gals. Work with me to find the best insurance for me at a reasonable rate
Brian Ross
Brian Ross
May 22, 2017
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Great locally owned insurance company. Very helpful and knowledgeable staff. Very helpful after the sale.