Insurance FAQs | Peter Middleton Insurance, LLC

What does an independent insurance broker do?

An independent broker like Peter Middleton works for you, not for an insurance company. We compare plans from multiple carriers and recommend the one that fits your unique situation based on your needs, not a sales quota.

How much does it cost to work with Peter Middleton Insurance?

There is no cost to you. Our services are free, and we’re paid directly by the insurance companies meaning you get expert help without any extra fees.

What kind of life insurance do I need?

It depends on your goals. We offer:



• Term Life: Affordable coverage for a specific number of years
  
  
• Whole Life: Lifetime coverage with cash value
  
  
• Final Expense: Smaller policies for burial and medical costs
  
  
• Universal Life: Flexible premiums and investment potential
  
  

We’ll help you choose the right policy based on your age, health, and financial goals.

Can I get life insurance if I have a pre-existing condition?

Yes. Many carriers offer coverage with no medical exam or simplified underwriting. We work with multiple companies to find the best options for your situation.

When am I eligible for Medicare?

You become eligible for Medicare at age 65, or earlier if you have a qualifying disability. We’ll help you understand how and when to enroll.

What’s the difference between Medicare Advantage and Medicare Supplement?

• Medicare Advantage (Part C): An all-in-one plan that may include hospital, medical, and drug coverage.
  
  
• Medicare Supplement (Medigap): Works alongside Original Medicare to reduce out-of-pocket costs.
  
  

We’ll help you choose the right fit for your needs and budget.

Can I have both Medicare and Medicaid?

Yes. If you qualify for both, you may be eligible for a Dual Eligible Special Needs Plan (D-SNP). These plans offer expanded coverage at little to no cost. We can help you check eligibility and enroll.

What types of health insurance do you offer?

We offer a range of plans including:



• Individual and family health insurance
  
  
• Medicare Advantage and Supplement plans
  
  
• Medicaid support
  
  
• Short-term and temporary health plans
  
  
• Prescription drug coverage
  
  

We help you understand your options, compare plans, and enroll without hassle.

Do I qualify for Medicaid?

Medicaid eligibility is based on income, family size, and state-specific guidelines. We’ll help you review the current requirements and assist with the application process if you qualify.

When can I enroll in a health insurance plan?

There are several enrollment windows:



• Open Enrollment: Usually once per year for ACA and marketplace plans
  
  
• Special Enrollment: Triggered by events like job loss, marriage, or relocation
  
  
• Year-Round Enrollment: For Medicaid and some Medicare plans
  
  

We’ll help you determine if you qualify and guide you through the timing.

What is an annuity?

An annuity is a financial product that provides guaranteed income, typically during retirement. You invest money upfront and receive monthly payments later often for life.

Are annuities risky?

Fixed and indexed annuities are designed to protect your principal. They’re considered lower-risk alternatives to stocks or mutual funds, especially for retirees who want stable income.

Can I access my money early?

Some annuities allow partial withdrawals, but early access may be subject to surrender charges. We’ll explain all the details so you know exactly what to expect.