Annuities in Pompano Beach, FL

Build a Reliable Income Stream for Retirement

Planning for retirement takes more than saving it takes strategy. At Peter Middleton Insurance, we help individuals throughout Pompano Beach and surrounding areas explore annuity options that offer guaranteed income, principal protection, and peace of mind.

With nearly four decades of experience, Peter Middleton provides clear, personalized guidance on how annuities can support your long-term financial goals without the uncertainty of market swings or complex investment products.

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What Is an Annuity?

An annuity is a financial product designed to provide a steady stream of income, typically during retirement. You pay into the annuity either as a lump sum or over time and in return, you receive guaranteed payments later, often for the rest of your life.


Annuities are ideal for:

  • Supplementing Social Security or pension income

  • Protecting retirement savings from market risk

  • Planning for long-term care or future expenses

  • Ensuring a legacy for loved ones

They can be customized based on your age, timeline, risk tolerance, and income needs.

Types of Annuities We Offer

Not all annuities are the same. At Peter Middleton Insurance, we help you compare options and choose the right fit for your retirement strategy.

Fixed Annuities

Fixed annuities provide a guaranteed interest rate and predictable income payments. They’re a conservative option for those who want stability without stock market exposure.



  • Guaranteed returns

  • No market risk

  • Tax-deferred growth

Indexed Annuities

Indexed annuities offer the potential for higher returns based on the performance of a market index (like the S&P 500), while still protecting your principal.



  • Market-linked growth potential

  • Protection from losses

  • Optional income riders available

Lifetime Income Annuities

These annuities provide income you can’t outlive either for your life or the joint lives of you and a spouse.


  • Predictable, recurring payments

  • Customized payout options

  • Helps reduce the risk of outliving your savings

Why Consider an Annuity?

Annuities offer key benefits for those preparing for or already in retirement:

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Guaranteed Income

Know exactly how much you'll receive each month.

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Tax Deferral

Pay taxes only when you withdraw income.

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Principal Protection

Avoid losses during market downturns.

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Flexible Payout Options

Choose a schedule that fits your goals.

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Legacy Planning

Some annuities allow beneficiaries to inherit unused funds.

Annuities are especially useful for those without a pension, those worried about running out of savings, or anyone who wants more predictability in retirement.

How Peter Middleton Can Help

With so many annuity products on the market, it’s easy to get overwhelmed. That’s why working with a trusted broker like Peter Middleton matters. We help you:

Understand how annuities work

Compare options from multiple carriers

Evaluate fees, terms, and guarantees

Avoid high-risk or unsuitable products

Create a plan that aligns with your retirement vision

As an independent broker, Peter works for you, not for the insurance company. That means honest recommendations, personalized attention, and no sales pressure.

Who Should Consider an Annuity?

Annuities may be a good fit if you:

  • Are 50+ and planning for retirement

  • Want to convert savings into income

  • Need to protect a portion of your portfolio

  • Are concerned about market volatility

  • Want guaranteed income for life

Whether you’re retiring soon or just starting to think about the future, we’ll help you determine if an annuity fits into your overall financial strategy.

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Frequently Asked Questions

  • Are annuities safe?

    It depends on your income, debts, family size, and future goals. We’ll help you calculate the right amount based on your situation.

  • When should I buy an annuity?

    Many people purchase annuities in their 50s or 60s as they approach retirement, but the right timing depends on your financial situation and goals.

  • How are annuities taxed?

    Annuities grow tax-deferred. You’ll pay taxes only on the interest or investment gains when you begin receiving payments.

  • Can I pass an annuity to my heirs?

    Yes. Some annuities offer death benefit riders or refund provisions that allow unused funds to be passed on.

Ready to Explore Your Retirement Income Options?

Annuities aren’t for everyone but for the right person, they can be a powerful retirement tool. Let’s find out if they’re the right fit for you.

Call Peter Middleton today for a free consultation:

Phone: (954) 263-1410
Email: protect@pjmins.com


We’re here to help you build a secure and confident retirement plan one step at a time.