Life Insurance in Pompano Beach, FL
Secure Your Family’s Future with the Right Coverage
Life insurance is one of the most important decisions you can make to protect your loved ones but choosing the right policy doesn’t have to be confusing or overwhelming. At Peter Middleton Insurance, we help individuals and families in Pompano Beach and surrounding communities find affordable, personalized life insurance solutions that match their goals, budget, and stage of life.
With nearly 40 years of experience, Peter Middleton provides expert, one-on-one guidance to help you understand your options and secure lasting peace of mind.
Why Life Insurance Matters
Life insurance isn’t just about preparing for the unexpected it’s about creating a legacy, covering final expenses, and ensuring your family’s financial stability.
A life insurance policy can help:
- Replace lost income after death
- Pay off a mortgage, debt, or estate taxes
- Cover funeral and burial expenses
- Fund college tuition or caregiving needs
- Provide a tax-free inheritance to beneficiaries
Whether you’re just starting a family or preparing for retirement, we’ll help you build a plan that protects the people who matter most.
Types of Life Insurance We Offer
We work with top-rated insurance carriers to provide a wide range of life insurance options. As an independent broker, Peter Middleton helps you compare plans and understand the differences, so you can make an informed decision without pressure or sales tactics.
Term Life Insurance
Term life provides coverage for a specific period — typically 10, 20, or 30 years — and is often the most affordable option. It’s ideal for covering income loss, mortgage payments, or raising children.

- Level premiums
- High coverage amounts
- Renewable and convertible options
Whole Life Insurance
Whole life insurance lasts your entire lifetime and builds cash value over time. It’s a strong choice if you want permanent coverage with a savings component.

- Fixed premiums for life
- Guaranteed death benefit
- Cash value you can borrow from
Universal Life Insurance
Universal life offers flexibility with premiums and death benefits. It’s best for those who want long-term protection and the ability to adjust their policy over time.

- Flexible coverage
- Investment and savings potential
- Tax-deferred growth options
Final Expense Insurance
Also known as burial insurance, final expense policies are designed to cover end-of-life costs such as funeral services, medical bills, and outstanding debts.

- Affordable premiums
- Easy approval, even with health issues
- Fast benefit payouts to families
Accidental Death and Dismemberment Insurance
Accidental Death and Dismemberment (AD&D) insurance provides financial protection if you suffer a severe injury or death as the result of an accident. It’s a valuable supplement to traditional life insurance, offering added peace of mind for those with active lifestyles, hazardous occupations, or anyone seeking extra coverage at an affordable cost.
- Provides benefits for accidental death or qualifying injuries

- Usually affordable with simple enrollment
- Can be added as a rider to existing life insurance policies or purchased standalone
Disability Insurance
Disability insurance provides critical income protection if you can't work due to illness or injury.
It helps ensure your financial stability by replacing a portion of your income, allowing you to cover essential living expenses during periods when you’re unable to earn a paycheck.
- Short-term and long-term coverage options
- Income replacement during recovery or extended disability

- Customizable benefits to fit your occupation and financial needs
Life Insurance with Living Benefits
Some policies offer access to your death benefit while you're still alive if diagnosed with a terminal illness or critical condition. We can help you explore these hybrid plans for extra protection.
Final Expense Coverage
Final expense coverage is designed to help your loved ones manage end-of-life costs without financial strain. This affordable, permanent insurance provides funds for funeral services, burial or cremation, medical bills, and outstanding debts with most plans requiring no medical exam. Premiums remain budget-friendly, approval is simple, and benefits are typically paid out quickly, giving your family immediate support during a difficult time. It’s a practical way to ensure your wishes are honored and your loved ones are protected from unexpected expenses.
Why Work With Peter Middleton Insurance?
We understand that buying life insurance can feel complicated. That’s why we take the time to learn about your priorities and explain your choices in plain terms.
What sets us apart:
Our goal is to make life insurance simple, affordable, and personal just like it should be.
Who Needs Life Insurance?
Life insurance is for anyone who has financial responsibilities or loved ones who depend on them. We commonly serve:
- Parents and guardians
- Married couples and domestic partners
- Seniors planning their legacy
- Business owners
- Retirees managing estate costs
- Individuals with outstanding loans or debts
Whether you’re in your 20s or 70s, it’s never too early — or too late — to get coverage that fits your goals.
Frequently Asked Questions
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How much life insurance do I need?
It depends on your income, debts, family size, and future goals. We’ll help you calculate the right amount based on your situation.
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Can I get life insurance if I have health conditions?
Yes. We work with carriers that offer policies for people with various health concerns. Some plans require no medical exam.
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What’s the difference between term and whole life?
Yes. We can assist you in determining eligibility and navigating the Medicaid application process.
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How long does it take to get covered?
Some policies can be issued within a few days, while others may take a few weeks depending on health checks. We’ll guide you through the entire process.
Ready to Protect Your Family’s Future?
If you're considering life insurance or want to review your current coverage, now is the time to act. We’re here to help you find a policy that gives you peace of mind without overpaying or second-guessing.
Contact Peter Middleton today for a free consultation:
Phone: (954) 263-1410
Email: protect@pjmins.com
We’re available 24/7 to help you plan today for a more secure tomorrow.