Complete in-county network of Florida Department of Financial Services (DFS) licensed fixed retirement annuity, life insurance, Medicare Supplement (Medigap), and retiree asset-protection agencies physically operating on North Main Street in both Blountstown (32424) and the Town of Altha (32421): (1) Calhoun County Farm Bureau — Blountstown Headquarters at 17577 Main Street North, Blountstown, FL 32424 ((850) 674-5471; Florida Sunbiz Document #790902, https://www.floridafarmbureau.com), staffed by Agency Manager Shawn Smith and Agent Rafe Britt, offering principal-protected Fixed Retirement Annuities, Traditional and Roth IRA fixed annuity endorsements, Single Premium Immediate Annuities (SPIAs) for guaranteed lifetime pension-like income, and final-expense whole life policies underwritten by Southern Farm Bureau Life Insurance Company (NAIC #68896, Florida Office of Insurance Regulation [FLOIR] Co. Code #00868, A.M. Best Financial Strength Rating 'A Excellent'); (2) Chris Kohlsaat — State Farm Insurance Agency at 17251 Main Street North (also indexed at 20455 W Central Ave), Blountstown, FL 32424 ((850) 674-5375), providing fixed annuities, Medigap supplement policies, and senior home/auto/umbrella liability protection; (3) Alday Insurance Agency, Inc. at 17845 Main Street North, Blountstown, FL 32424 ((850) 674-4600; Florida Sunbiz Profit Corporation Doc# P12000001891, filed January 6, 2012, led by Principal Buster Alday); and (4) Ellis Agency Insurance, LLC — Altha Branch at 25744 North Main Street, Altha, FL 32421 ((850) 762-9694 / (850) 526-2201; Florida Sunbiz Doc# L13000126423, led by Principal Jonathan Ellis, https://www.ellisagency.net)—the Town of Altha's sole brick-and-mortar licensed insurance agency. All annuity transactions for Calhoun County seniors are protected by Florida's Suitability in Annuity Transactions Act (F.S. § 627.4554), mandating a written best-interest suitability analysis and an unconditional 30-day 'free-look' full-refund window for purchasers age 65 and older (acceptsMedicaid: false).
Official Verification Sources: Florida Farm Bureau Insurance — Calhoun County Office (17577 Main St N, Blountstown — Sunbiz #790902); Ellis Agency Insurance, LLC — Official Website (25744 N Main St, Altha, FL 32421 — Sunbiz #L13000126423); Florida Sunbiz Entity — Alday Insurance Agency, Inc. (#P12000001891 — 17845 Main St N, Blountstown)
Issuer: Florida Office of Insurance Regulation (FLOIR), FL DFS & FL Division of Corporations
Notes: Verified 2026-10-26 via Sunbiz & FLOIR: Calhoun County Farm Bureau, LAA (Sunbiz Doc #790902) operates at 17577 Main St N, Blountstown, FL 32424 ((850) 674-5471), staffed by Agency Manager Shawn Smith and Agent Rafe Britt, offering fixed annuities and life insurance through Southern Farm Bureau Life Insurance Company (NAIC #68896).
Issuer: Florida Department of Financial Services (DFS) Bureau of Licensing & FL Division of Corporations
Notes: Verified 2026-10-26 via Sunbiz: Alday Insurance Agency, Inc. (Sunbiz #P12000001891, 17845 Main St N, Blountstown, FL 32424, (850) 674-4600), Chris Kohlsaat State Farm (17251 Main St N, Blountstown, FL 32424, (850) 674-5375), and Ellis Agency Insurance, LLC (Sunbiz #L13000126423, 25744 N Main St, Altha, FL 32421, (850) 762-9694 / Marianna (850) 526-2201).
Factual details and direct answers about Calhoun County Farm Bureau (Shawn Smith & Rafe Britt — Southern Farm Bureau Life Annuities), Chris Kohlsaat State Farm Agency, Alday Insurance Agency (Blountstown) & Ellis Agency Insurance, LLC (Altha's Sole Licensed Agency)'s services, licensing, and credentials.
Where can seniors in Blountstown and Altha meet in person with a licensed agent to review fixed retirement annuities or life insurance?
In Blountstown (32424), seniors can meet along North Main Street with Agency Manager Shawn Smith and Agent Rafe Britt at Calhoun County Farm Bureau (17577 Main St N, (850) 674-5471, backed by Southern Farm Bureau Life, NAIC #68896), Chris Kohlsaat at State Farm (17251 Main St N, (850) 674-5375), or Buster Alday at Alday Insurance Agency (17845 Main St N, (850) 674-4600). In the Town of Altha (32421), seniors can visit Ellis Agency Insurance, LLC at 25744 North Main Street ((850) 762-9694).
What statutory protections apply when a Calhoun County senior age 65 or older purchases a fixed annuity in Florida?
Under Florida Statutes § 627.4554 (Suitability in Annuity Transactions), agents must adhere to a strict best-interest standard, disclose all surrender charges and liquidity terms in writing, and provide an unconditional 30-day 'free-look' refund window allowing any senior age 65+ to cancel the annuity contract for a 100% refund.
Connect with complementary legal, financial, and residential providers serving seniors in Blountstown and Calhoun County.
J. David House, P.A. (John David House, Esq.), Fuqua & Milton, P.A. (H. Matthew Fuqua, Esq. — Calhoun County & School Board Attorney), Carter Platt PLLC (Jeffrey S. Carter, Esq. — Blountstown City Attorney) & James P. Leonard, Esq. — Blountstown & Altha Probate, Estate Planning & Real Property Counsel
Blountstown, Calhoun County
(850) 674-5481
Northwest Florida Regional Housing Authority (NWFRHA — HUD PHA #FL015) — Blountstown Public Housing Community (1004 Fuqua Cir — 44 Units) & Calhoun County Section 8 Housing Choice Voucher Administration
Blountstown, Calhoun County
(850) 263-4442
River Valley Rehabilitation Center (AHCA #SNF12870961 — 150 Beds, CMS 5-Star) & Blountstown Health and Rehabilitation Center / Blountstown Center for Rehabilitation and Healing (AHCA #SNF1652096 — 96 Beds, CMS 5-Star) — Calhoun County's 246-Bed Skilled Nursing Hub
Blountstown, Calhoun County
(850) 674-5464
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Senior Citizen Benefits in Florida →
Evaluating fixed retirement annuities, Florida's 30-day senior free-look statute, and beneficiary designations in Calhoun County.
Florida Medicaid Long-Term Care Guide →
Understanding how annuity payout rules and whole life cash values affect Florida Medicaid Long-Term Care eligibility.
Blountstown In-County FDIC Commercial Banking & Retirement Depository Network — Centennial Bank (Centennial Financial Services / Ameriprise), PeoplesSouth Bank, Regions Bank (Regions Investment Solutions) & Ameris Bank
Blountstown, Calhoun County
Strategic Planning Partners, LLC — Timothy J. Hummel, CFP® & John J. Langford (Kovack Advisors — SR-71 North Hub) & Joseph R. Durham (PlanMember Securities — Blountstown) — With Strategic Solutions Financial (ChFC®, CLTC®) & Stoutamire Financial (LPL)
Blountstown, Calhoun County
SR-71 North National Brokerage & Bank Wealth Hub — Edward Jones (David R. Carrel, AAMS™), Wells Fargo Advisors (Andrew M. Ewing), Truist Wealth (Brett M. Deavenport & Jason B. Davis) & Hancock Whitney Financial (James B. Craig & John J. Farrell)
Blountstown, Calhoun County
Calhoun Liberty Credit Union (NCUA #67431 — Blountstown Main Office, SR-71 South Drive-Thru & Altha / Clarksville ATMs) — With First Commerce Credit Union (#68301 / Six Pillars Financial CFP® Desk), Addition Financial / Envision CU & Emerald Coast FCU
Blountstown, Calhoun County
Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.