Providing in-county principal-protected fixed annuities, Single Premium Immediate Annuities (SPIAs), final-expense whole life insurance, and coastal retirement property protection across both North and South Gulf County, this listing connects Wewahitchka's established Farm Bureau office with Port St. Joe's downtown Reid Avenue independent insurance agencies. Located on State Road 71 at 513 South Highway 71 (Florida 71), Wewahitchka, FL 32465 ((850) 639-5336), the Gulf County Farm Bureau office (Florida Sunbiz Doc# 790741)—staffed by Agency Manager Shawn Smith and Agent Rafe Britt—offers tax-deferred Fixed Retirement Annuities, Traditional and Roth IRA endorsement annuities, and guaranteed lifetime income SPIAs 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'). In downtown Port St. Joe at 402 Reid Avenue, Port St. Joe, FL 32456 ((850) 203-3643, https://www.insuringthecoastfl.com), Insuring the Coast, LLC (Florida Sunbiz Doc# L24000202425, FL Department of Financial Services [DFS] Licensed Agency #G053292, led by Principal Broker Kameron T. Ashabranner) alongside long-standing Coastal Insurance Agency in Port St. Joe ((850) 227-1900) assists coastal retirees across Port St. Joe (32456), Cape San Blas, Indian Pass, and Highland View with fixed annuity comparisons, long-term care riders, and catastrophic windstorm/flood equity protection. All annuity recommendations for Gulf County seniors are governed by Florida's Suitability in Annuity Transactions Act (F.S. § 627.4554), which mandates a best-interest fiduciary suitability review, written surrender-charge disclosures, and an unconditional 30-day 'free-look' refund window for seniors age 65 and older.