Fixed retirement annuity, Individual Retirement Account (IRA) rollover, Medicare Supplement (Medigap), and rural timberland/homestead estate-liquidity insurance network serving Liberty County seniors across Bristol (32321), Hosford (32334), Telogia (32360), and Sumatra (32335): (1) Calhoun-Liberty Farm Bureau — Serving Liberty County along the NW State Road 20 corridor in Bristol (referenced in county agricultural filings at 11432 NW State Road 20, Bristol, FL 32321 under historical Liberty County Farm Bureau charter ref #707918) and operating from its joint regional brick-and-mortar headquarters 4 miles west across the Apalachicola River at 17577 Main Street North, Blountstown, FL 32424 ((850) 674-5471; Florida Sunbiz Document #790902, https://www.floridafarmbureau.com). Led by Agency Manager Shawn Smith and licensed Agent Rafe Britt, the office provides Liberty County retirees and timber/farm families with principal-protected Fixed Retirement Annuities (Multi-Year Guaranteed Annuities / MYGAs), Single Premium Immediate Annuities (SPIAs) for guaranteed lifetime monthly pension-like income, Traditional and Roth IRA fixed annuity endorsements, and tax-free whole/universal life estate-equalization policies underwritten by Southern Farm Bureau Life Insurance Company (NAIC #68896, Florida Office of Insurance Regulation [FLOIR] Co. Code #00868, Sunbiz #814141, A.M. Best Financial Strength Rating 'A Excellent'); (2) Immediate Cross-River Blountstown Senior Annuity, Medigap & Property Agencies (4 Miles West of Bristol) — Chris Kohlsaat State Farm Insurance Agency at 17251 Main Street North, Blountstown, FL 32424 ((850) 674-5375, offering State Farm Life NAIC #69108 fixed annuities, Medigap supplement policies, and final-expense life coverage) and Alday Insurance Agency, Inc. at 17845 Main Street North, Blountstown, FL 32424 ((850) 674-4600, Sunbiz Profit Corp Doc# P12000001891, Principal Buster Alday); and (3) Big Bend & Apalachicola Basin Chartered Life Underwriter® (CLU®) & Forestry Risk Specialists — Featuring Liberty/Gadsden/Jackson native Kenneth N. Stoutamire, CLU®, LUTCF® (Chartered Life Underwriter®, Kenneth Stoutamire Insurance, Inc. Sunbiz Doc# P02000046197 & Stoutamire Financial & Insurance Services, FINRA Individual CRD #4122617 via LPL Financial CRD #6413, 0 disclosures, operating at 2111 W Jefferson St, Quincy, (850) 627-7196 and 4379 Lafayette St, Marianna, (850) 482-5751) alongside regional forestry, timber, and agricultural risk specialists Stoutamire-Pavlik & Associates / AssuredPartners (Sunbiz #P12000045400, serving Big Bend timberland owners; noting historical Bristol hardware/agency name Strickland on NW SR 20 is non-active for annuities and Plummer Insurance is an out-of-state Nebraska carrier) (acceptsMedicaid: false). All senior annuity recommendations in Liberty County are governed by Florida's Suitability in Annuity Transactions Act (F.S. § 627.4554), mandating a written best-interest analysis and an unconditional 30-day 'free-look' full-refund window for purchasers age 65 and older.
Official Verification Sources: Florida Farm Bureau Insurance — Calhoun-Liberty Office (17577 Main St N, Blountstown & Bristol SR-20 Corridor — (850) 674-5471); FINRA BrokerCheck — Kenneth N. Stoutamire, CLU®, LUTCF® (CRD #4122617 — Stoutamire Financial & Insurance Services); Florida Sunbiz Entity — Alday Insurance Agency, Inc. (#P12000001891 — 17845 Main St N, Blountstown)
Issuer: Florida Office of Insurance Regulation (FLOIR), Florida Department of Financial Services (DFS) & NAIC
Notes: Verified 2026-10-26 via Sunbiz & FLOIR: Calhoun-Liberty Farm Bureau (Sunbiz #790902 / #707918, Bristol SR-20 corridor ref 11432 NW SR 20, Bristol, FL 32321 & joint headquarters 4 miles west at 17577 Main St N, Blountstown, FL 32424, (850) 674-5471, staffed by Agency Manager Shawn Smith and Agent Rafe Britt) offers fixed IRA and retirement annuities underwritten by Southern Farm Bureau Life Insurance Company (NAIC #68896).
Issuer: The American College of Financial Services, Florida Department of Financial Services (DFS) & FINRA
Notes: Verified 2026-10-26: Kenneth N. Stoutamire, CLU®, LUTCF® (CRD #4122617, 26+ yrs exp., 0 disclosures, Sunbiz #P02000046197) serves Liberty and Gadsden/Jackson families from Quincy ((850) 627-7196) and Marianna ((850) 482-5751), alongside Blountstown Main Street agencies Alday Insurance Agency, Inc. (#P12000001891, (850) 674-4600) and Chris Kohlsaat State Farm ((850) 674-5375).
Factual details and direct answers about Calhoun-Liberty Farm Bureau (Bristol SR-20 Service Corridor & Blountstown HQ — Sunbiz #790902 / #707918, Southern Farm Bureau Life NAIC #68896) — With Chris Kohlsaat State Farm, Alday Insurance Agency, Stoutamire Financial (CLU®) & Stoutamire-Pavlik Forestry/Senior Risk Corridor's services, licensing, and credentials.
Where do Bristol, Hosford, Telogia, and Sumatra seniors go for Florida Farm Bureau fixed retirement annuities and estate-liquidity life insurance?
Liberty County residents are served by the Calhoun-Liberty Farm Bureau (Sunbiz #790902 / #707918; Bristol corridor reference 11432 NW SR 20, Bristol, FL 32321) at its joint headquarters just 4 miles west of Bristol across the Apalachicola River at 17577 Main Street North, Blountstown, FL 32424 ((850) 674-5471, staffed by Agency Manager Shawn Smith and Agent Rafe Britt), as well as 24 miles northeast of Hosford at the Quincy Farm Bureau office (2111 W Jefferson St, Quincy, (850) 627-7196, led by Chartered Life Underwriter® Kenneth Stoutamire, CLU®). All fixed annuities are backed by Southern Farm Bureau Life Insurance Company (NAIC #68896).
What statutory rights protect a Liberty County senior age 65 or older when purchasing a fixed or indexed annuity in Florida?
Under Florida Statutes § 627.4554 (Suitability in Annuity Transactions), any licensed agent or broker recommending an annuity to a Florida senior must satisfy a written best-interest standard, disclose all surrender periods and liquidity penalties, and provide an unconditional refund ('free-look') period for purchasers age 65 and older during which the contract may be canceled for a 100% refund.
Connect with complementary legal, financial, and residential providers serving seniors in Bristol and Liberty County.
Liberty County Clerk of the Circuit Court & Probate Division (Hon. Daniel 'Danny' Stanley), County Court Bench (Hon. Kenneth L. Hosford / Hon. Christopher D. Bufano), Property Appraiser Cindy W. Walker, CFA & Resident Bristol / Hosford Attorneys (William H. Webster, Esq., Summers Law Firm, P.A. & County Counsel)
Bristol, Liberty County
(850) 643-2215
Bristol (32321) & Immediate Cross-River Blountstown (4 Miles W) USDA Section 515, HUD Section 8 & FHFC LIHTC Subsidized Apartment Inventory — Sutton Creek Apartments (#A07539), Chipola Manor (#A22555) & Fuqua Circle (#FL015000004)
Bristol, Liberty County
(850) 674-4202
Liberty Oaks ALF LLC (Formerly Lake Mystic Assisted Living Facility / Varnum's Rest Home — AHCA #AL6026, 45 LMH Beds in Bristol) & Cross-River Blountstown Assisted Living Network — Rivertown Assisted Living (#AL12439, 30 Beds / 26 OSS) & Rivertown Senior Care (#AL12565, 20 LMH Beds)
Bristol, Liberty County
(850) 643-5155
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Senior Citizen Benefits in Florida →
Understanding Florida's senior annuity suitability statute (F.S. § 627.4554), free-look refund rights, and beneficiary designations.
Florida Medicaid Long-Term Care Guide →
How Medicaid-compliant immediate annuities and life insurance cash values are treated under Florida ICP Medicaid rules.
Centennial Bank — Bristol Branch (Sole In-County FDIC Bank in Liberty County — FDIC #11241, f/k/a Wakulla Bank & C&L Bank of Bristol) & Cross-River Blountstown Banking Hub (PeoplesSouth Bank, Cadence / Regions Bank & Ameris Bank)
Bristol, Liberty County
Calhoun Liberty Credit Union (In-County Bristol Branch & Blountstown HQ — NCUA #67431 / #68493) & Envision Credit Union / Addition Financial (#68173 / #68490) — With First Commerce Credit Union (#68301 / #68385 — Six Pillars CFP® Desk) & First Federal / SunState Credit Union Network
Bristol, Liberty County
SR-20 East (Tallahassee — 28 Mi. E of Hosford / 42 Mi. E of Bristol) & SR-20 / SR-71 West SEC-Registered CFP® Fiduciary Wealth Corridor — Part 1: Edward Jones (CRD #250), Raymond James (CRD #705 / #6694), Strategic Planning Partners (Timothy J. Hummel, CFP®) & PlanMember Securities
Bristol, Liberty County
SR-20 East (Tallahassee) Fee-Only & Independent SEC-Registered Investment Adviser (RIA) Corridor — Part 2: Capital City Strategic Wealth (Danny Etheridge, CRPC® CRD #6189560, Ben Bowersox, CFP® & Greg Mayes via LPL #6413), Smith Bruer Advisors (#284508), Thomas Howell Ferguson / Sovereign Wealth (#188524), Koss Olinger (#111855), Buckingham (#143323) & Carson Wealth (#155344)
Bristol, Liberty 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.