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.

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. Our team is ready to assist you with your comprehensive insurance needs.
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.
Our highly trained staff is ready to help you throughout the life cycle of your policies and will always do anything we can to support your questions and ongoing needs.
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.
The Hospital Surgical health plan covers preventive services, major illnesses and emergencies that require a hospital visit or surgery.
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.
If you do go outside the network for care, you can do so with the assurance that your claims will be paid based on average fees charged by most dentists.
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.
Disability insurance includes paid sick leave, short-term disability benefits, and long-term disability benefits.
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.
Offers protection for a specific period of time, ranging from 10, 20 or 30 years.
The policy pays a death benefit to the beneficiary if the policy holder passes away during the term covered by the policy.
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