For conservative Lafayette County retirees and agricultural families seeking guaranteed principal protection, tax-deferred fixed retirement annuities, farm estate liquidity life insurance, and long-term care protection without driving outside ZIP `32066`, two brick-and-mortar Florida Department of Financial Services (`FL DFS`)-regulated agencies operate directly on Main Street / US-27 in Mayo. First, the **Lafayette County Farm Bureau** (`1272 W US Hwy 27 / 874 E Main St, Mayo, FL 32066`, `(386) 294-1399`, Sunbiz `#707938`, EIN `59-0907549`) is led by Agency Manager **Lance Braswell** alongside licensed agents **Abby Godwin, Devin Hingson, Hayden Hingson, and Ryan Perry**, offering fixed deferred and immediate income annuities (`MYGAs` / `SPIAs`), IRA rollovers, and estate-equalization life insurance underwritten by **Southern Farm Bureau Life Insurance Company** (`NAIC #68896`, FL OIR Co. Code `#01134`) in strict compliance with Florida's Senior Annuity Suitability Law (`F.S. § 627.4554`, requiring best-interest analysis and an unconditional 21-day free-look refund right for purchasers age 65+). Second, **Hart Insurance Agency, Inc.** (`248 W Main St, Mayo, FL 32066`, `(386) 294-1080`, Sunbiz `#H51595`, continuous downtown Mayo operation since 1985 led by **Timmy Hart**, President, and **David Hart**, Vice President) provides independent senior life, fixed annuity, and rural property risk management. For retirees requiring variable annuities or Chartered Financial Consultant (`ChFC®`) / Chartered Life Underwriter (`CLU®`) securities-licensed planning, the SR-51 North corridor in Live Oak features **Derek Loadholtz, ChFC®, CLU®** (`FINRA CRD #4500424`, State Farm VP Management Corp `CRD #43036`, 402 S Ohio Ave, Live Oak, `(386) 364-3535`) and **Rob Cathcart, CLU®** (`FINRA CRD #4500449`, 911 Helvenston St SE, Live Oak, `(386) 364-7900`).
Official Verification Sources: Lafayette County Farm Bureau — Mayo Office & Agent Directory; Florida Dept. of Financial Services — MyFloridaCFO Senior Annuity & Insurance Consumer Guide
Issuer: Florida Department of Financial Services (FL DFS), Florida Office of Insurance Regulation (FLOIR) & NAIC
Notes: Verified 2026-10-26: In-county Mayo agencies at 1272 W US Hwy 27 ((386) 294-1399) and 248 W Main St ((386) 294-1080) operating under Florida Statute § 627.4554 senior annuity suitability rules.
Issuer: FINRA & The American College of Financial Services
Notes: Verified 2026-10-26 via FINRA BrokerCheck: Active Series 6 / 63 registered representatives and Chartered Financial Consultant / Chartered Life Underwriter specialists 21 miles north of Mayo in Live Oak.
Factual details and direct answers about Lafayette County Farm Bureau (1272 W US Hwy 27, Mayo) & Hart Insurance Agency, Inc. (248 W Main St, Mayo) — In-County Fixed Annuities, Estate Liquidity & F.S. § 627.4554 Senior Protection's services, licensing, and credentials.
Where can a Lafayette County retiree in Mayo obtain fixed retirement annuities or life insurance to keep a family farm from being sold during probate?
Directly on US-27 in Mayo, the Lafayette County Farm Bureau (1272 W US Hwy 27 / 874 E Main St, Mayo, FL 32066, (386) 294-1399, Agency Manager Lance Braswell and agents Abby Godwin, Devin Hingson, Hayden Hingson, and Ryan Perry) and Hart Insurance Agency, Inc. (248 W Main St, Mayo, FL 32066, (386) 294-1080, Timmy Hart and David Hart) provide fixed IRA/retirement annuities and estate-equalization life insurance so farming and non-farming heirs can settle estates equitably without partitioning or selling agricultural land.
What consumer protections apply to Lafayette County seniors age 65 and older when purchasing an annuity in Florida?
Under Florida Statute § 627.4554 (Suitability in Annuity Transactions), any agent recommending an annuity to a Florida senior must act in the consumer's best interest, document liquidity needs and surrender charges, and provide an unconditional 21-day 'free-look' period for purchasers age 65 and older during which the contract can be canceled for a full refund.
Connect with complementary legal, financial, and residential providers serving seniors in Mayo and Lafayette County.
Lafayette County Courthouse Probate, Guardianship & Homestead Registry — Clerk of Circuit Court Hon. Steve Land, County Judge Hon. Darren K. Jackson, County Attorney Leenette W. McMillan, Esq., Property Appraiser Wayne 'Bucky' McCray, CFA & 3rd Circuit Public Guardian
Mayo, Lafayette County
(386) 294-1600
Suwannee River Economic Council, Inc. (SREC — Sunbiz #709611) HUD Section 8 Housing Choice Voucher Registry & Adjacent Live Oak Housing Authority (HUD PHA #FL054) / North Central Florida Regional Housing Authority (#FL139)
Mayo, Lafayette County
(386) 294-2202
Lafayette Nursing and Rehabilitation Center (60-Bed Skilled Nursing, Post-Acute Rehab & Memory Care — Mayo)
Mayo, Lafayette County
(386) 294-3300
Expert guidance, benefit eligibility rules, and state protections for older Florida residents and family caregivers.
Lafayette State Bank — Mayo Headquarters Branch (FDIC Cert #16396 / #16266, Sunbiz #705561) & First Federal Bank — Mayo Branch (FDIC Cert #31313 / #31307, Sunbiz #P17000083684)
Mayo, Lafayette County
First Federal Wealth Management / Moses Wealth Advisors (Raymond James CRD #6694 / #149018) & Live Oak / Lake City Fiduciary Wealth Corridor Serving Mayo (Gunter Financial CFP®)
Mayo, Lafayette County
Capital City Trust Company (FL OFR #70239), Capital City Bank & Investments (FDIC #9622 — Branford & Live Oak) & Ameris Bank (FDIC #16480) — Suwannee Basin Corporate Fiduciary & Trust Corridor
Mayo, Lafayette County
Tina B. Singletary, CPA, Inc. (Sole In-County Mayo CPA — DBPR #AD0019894), Powell & Jones, CPAs, Odom, Moses & Company, LLP & Collins & Company, CPAs — Fiduciary Estate, Farm & Retirement Tax Corridor
Mayo, Lafayette 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.