Combining in-county historic downtown Apalachicola insurance agencies with the Florida Farm Bureau fixed retirement annuity and guaranteed lifetime income network serving Franklin County: (1) In-County Apalachicola Brick-and-Mortar Agencies (32320) — Cook Insurance Agency, Inc. (Florida Sunbiz Profit Corporation Doc# H44240, continuously active since February 25, 1985; Registered Agent Mary E. Wallace, affiliated with Centennial Bank Insurance) at 22 Avenue E, Apalachicola, FL 32320 ((850) 653-2380, Fax (850) 653-2389) and Acentria Insurance (formerly Marks Insurance Agency, operating under Foundation Risk Partners Corp., FL Department of Financial Services [DFS] licensed agency) at 61 Avenue E, Apalachicola, FL 32320 ((850) 653-2161), providing coastal retirees across Apalachicola, St. George Island, Eastpoint, and Carrabelle with life insurance, flood/windstorm home-equity protection, and annuity/estate risk reviews; and (2) Florida Farm Bureau Senior Fixed Annuity & Life Corridor Serving Franklin County — Because Franklin County does not have a standalone Farm Bureau building within its borders, eastern Franklin County seniors (Carrabelle 32322, Lanark Village 32322, Alligator Point 32346) are served 30 miles northeast at the Wakulla County Farm Bureau office at 2468 Crawfordville Highway, Crawfordville, FL 32327 ((850) 926-3425, Sunbiz Doc# N12000010445 — Agency Manager Gene Lambert and Life/Annuity Agent Lisa M. Griner, FL DFS License #A105108 / NPN #1434871), while western Franklin County seniors (Apalachicola 32320, Eastpoint 32328, St. George Island 32328) are served through the Gulf County Farm Bureau (Sunbiz Doc# 790741, 513 S Hwy 71, Wewahitchka, FL 32465, (850) 639-5336 — Agency Manager Shawn Smith & Agent Rafe Britt) and Calhoun/Gulf Farm Bureau (17577 Main St N, Blountstown, (850) 674-5471), alongside Port St. Joe's Insuring the Coast, LLC (Sunbiz Doc# L24000202425, FL DFS Agency License #G053292, 402 Reid Ave, Port St. Joe, (850) 203-3643). Farm Bureau agents offer principal-protected Fixed Retirement Annuities, Traditional and Roth IRA annuity endorsements, and Single Premium Immediate Annuities (SPIAs) underwritten by Southern Farm Bureau Life Insurance Company (NAIC #68896, FLOIR Co. Code #00868, A.M. Best Rated 'A Excellent'). All senior annuity transactions in Franklin County are protected by Florida's Suitability in Annuity Transactions Act (F.S. § 627.4554), mandating a written best-interest fiduciary suitability review, full surrender-charge disclosures, and an unconditional 30-day 'free-look' refund period for purchasers age 65 and older (acceptsMedicaid: false).
Official Verification Sources: Florida Sunbiz Entity — Cook Insurance Agency, Inc. (#H44240 — 22 Avenue E, Apalachicola, FL 32320); Florida Farm Bureau Insurance — Wakulla County (2468 Crawfordville Hwy) & Gulf/Calhoun Offices (Southern Farm Bureau Life NAIC #68896); Insuring the Coast, LLC (FL DFS #G053292 — Port St. Joe) & Acentria Insurance (61 Avenue E, Apalachicola)
Issuer: Florida Department of Financial Services (DFS) & Florida Division of Corporations (Sunbiz)
Notes: Verified 2026-10-26 via Florida Sunbiz & FL DFS: Cook Insurance Agency, Inc. (Sunbiz Doc #H44240, active since Feb 25, 1985, Registered Agent Mary E. Wallace) operates at 22 Avenue E, Apalachicola, FL 32320 ((850) 653-2380); Acentria Insurance (formerly Marks Insurance Agency) operates at 61 Avenue E, Apalachicola, FL 32320 ((850) 653-2161); Insuring the Coast, LLC (Sunbiz #L24000202425, FL DFS #G053292) operates 22 miles west at 402 Reid Ave, Port St. Joe, FL 32456 ((850) 203-3643).
Issuer: Florida Office of Insurance Regulation (FLOIR) & Florida Department of Financial Services (DFS)
Notes: Verified 2026-10-26: Because Franklin County has no standalone Farm Bureau office, Franklin County seniors are served by Wakulla County Farm Bureau (2468 Crawfordville Hwy, Crawfordville, FL 32327, (850) 926-3425, Lisa M. Griner FL DFS #A105108) and Gulf/Calhoun Farm Bureau (513 S Hwy 71, Wewahitchka, (850) 639-5336 & 17577 Main St N, Blountstown, (850) 674-5471).
Factual details and direct answers about Franklin County In-County Insurance & Coastal Corridor Senior Annuity Protection Network — Cook Insurance Agency (#H44240) & Acentria Insurance (Apalachicola) + Wakulla County Farm Bureau (Lisa M. Griner #A105108) & Gulf / Calhoun Farm Bureau (Southern Farm Bureau Life NAIC #68896)'s services, licensing, and credentials.
Where can Apalachicola, St. George Island, and Carrabelle seniors meet in person with a licensed local insurance agency or Florida Farm Bureau annuity specialist?
Inside downtown Apalachicola (32320), seniors can visit two longstanding Avenue E agencies: Cook Insurance Agency, Inc. (Sunbiz #H44240) at 22 Avenue E ((850) 653-2380) and Acentria Insurance (formerly Marks Insurance Agency) at 61 Avenue E ((850) 653-2161). For Southern Farm Bureau Life (NAIC #68896) fixed retirement annuities and IRA rollovers, eastern Franklin County seniors (Carrabelle, Lanark Village, Alligator Point) visit the Wakulla County Farm Bureau at 2468 Crawfordville Highway in Crawfordville ((850) 926-3425, Agent Lisa M. Griner, FL DFS #A105108), while western Franklin County seniors can also coordinate with the Gulf/Calhoun Farm Bureau ((850) 639-5336 / (850) 674-5471) or Insuring the Coast, LLC at 402 Reid Avenue in Port St. Joe ((850) 203-3643).
What consumer protections does Florida Statutes § 627.4554 provide when a Franklin County senior age 65 or older purchases an annuity?
Under Florida Statutes § 627.4554 (Suitability in Annuity Transactions), any agent or broker recommending a fixed or indexed annuity to a Florida senior must act in the consumer's best interest, provide a written disclosure of all surrender charges and liquidity limits, and grant an unconditional 30-day 'free-look' window for purchasers age 65 and older—allowing the senior to cancel the contract within 30 days of delivery for a full refund.
Connect with complementary legal, financial, and residential providers serving seniors in Apalachicola and Franklin County.
Franklin County Clerk of the Circuit Court & Comptroller — Probate, Guardianship & Small Estates Division (Hon. Michele Maxwell, Judge Jay Gordon Shuler, County Attorney Thomas M. 'Michael' Shuler, Esq. & 2nd Circuit Public Guardian)
Apalachicola, Franklin County
(850) 653-8861
Apalachicola Housing Authority (HUD PHA #FL036) & Northwest Florida Regional Housing Authority (#FL046) — Franklin County Senior Public Housing & Section 8 Registry
Apalachicola, Franklin County
(850) 653-9304
George E. Weems Memorial Hospital (AHCA #4173 — Critical Access Swing-Bed Skilled Nursing, 24/7 Emergency & Weems Medical Centers East & West) & Ascension Sacred Heart Gulf Border Hospital
Apalachicola, Franklin County
(850) 653-8853
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 (F.S. § 627.4554), and beneficiary designations.
Florida Medicaid Long-Term Care Guide →
Understanding how annuity payout rules and whole life cash values interact with Florida Medicaid Long-Term Care eligibility.
Centennial Bank — Apalachicola, Eastpoint, St. George Island & Carrabelle In-County Branches, Centennial Financial Services (Crowley Wealth / Ameriprise) & PeoplesSouth Bank (Apalachicola)
Apalachicola, Franklin County
OCC & Florida Chartered Corporate Trust & Coastal/Timber Estate Fiduciary Network — Capital City Trust Company & Capital City Bank (Port St. Joe & Crawfordville Branches), Centennial Bank Trust, Synovus Trust Company, N.A., Regions Bank Trust & Hancock Whitney Trust
Apalachicola, Franklin County
Franklin County In-County & 2nd Circuit Licensed CPA & Fiduciary Tax Network — Roberson & Associates, P.A. (Apalachicola & Port St. Joe — Ralph C. 'Chris' Roberson, CPA #AC0007186) & Fisher & Friedman, P.A. (Eastpoint — Laura Fisher, CPA & Mark W. Friedman, CPA, PFS) — With Shepard Accounting (#AC0030904), Carr Riggs & Ingram (#AD0016615), Thomas Howell Ferguson (#AD0015619) & James Moore & Co. (#AD0016552)
Apalachicola, Franklin County
Franklin County Credit Union Senior Banking & CUSO Fiduciary Retirement Network — Emerald Coast FCU (#3388) & Tyndall FCU (#10754) (Port St. Joe 22 Mi. W) + Champions First CU (#67874 / Eddie Knowles, AIF®), Gulf Winds CU (#68694), First Commerce CU (#68301 / Six Pillars CFP®), First Florida CU (#68509), Envision / Addition Financial (#68173) & TMH FCU (#14368)
Apalachicola, Franklin 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.