Insurance Services · Broward & Palm Beach County
One local advisor. Every kind of insurance a South Florida household actually needs.
PB & J Insurance is an independent brokerage based in Lighthouse Point, FL. We place life insurance, critical illness and supplemental coverage, Medicare plans, and fixed and indexed annuities across 30+ A-rated carriers — with 18 years of experience behind every recommendation.
Our approach
Independent by design. Local by choice.
Most South Florida families don't need more insurance — they need the right insurance. That starts with someone actually looking at the coverage you already have, understanding your goals, and shopping the entire market on your behalf. Not a captive agent tied to one carrier. Not a national call center.
Every service below is quoted, structured and serviced by Daniel personally. Whether you're welcoming a newborn in Fort Lauderdale, approaching Medicare eligibility in Boca Raton, or planning guaranteed retirement income in West Palm Beach — there's a straight-answer conversation waiting for you.
18
Years of tenure
2
Counties served
30+
Carriers compared
$0
Cost to quote
What we offer
Four coverage practices, one dedicated advisor.
Click into any service below for a full breakdown, benefits, FAQs, and a free quote.
Life Insurance
Protect the people who depend on you
Term, whole, universal, mortgage protection, final expense, and juvenile / newborn life policies — placed across 30+ carriers so you keep the coverage and drop the premium.
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Critical Illness & Supplemental
Cash when a diagnosis hits
Heart attack, stroke, cancer, hospital indemnity and accident insurance — paid directly to you, so a serious diagnosis doesn't become a financial one.
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Medicare
An unbiased broker for your Medicare year
Medicare Advantage, Medicare Supplement, Part D prescription drug plans, and standalone dental, hearing and vision — reviewed side-by-side each Annual Enrollment.
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Annuities
Guaranteed retirement income, on paper
Fixed annuities, fixed indexed annuities and multi-year guaranteed annuities (MYGAs) structured to protect principal and produce a paycheck for life.
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Full coverage directory
Every policy type we place — each with its own detail page.
Every service includes
The same standard of care, whatever you're covering.
A market comparison — free
Every quote comes with side-by-side options from the top two or three carriers, in plain English. You pay nothing for the analysis.
One point of contact
Same advisor, same phone number — for enrollment, for claims, and every renewal after. No call centers.
Ongoing plan reviews
We revisit your coverage annually so premium increases, health changes and life events never catch your policy off guard.
Local, in-person meetings
Our Lighthouse Point office is minutes from Fort Lauderdale, Pompano Beach and Deerfield Beach — with easy reach up to Boca, Delray and West Palm.
Straight-answer underwriting
We tell you upfront which carriers are strongest for your health profile so you don't waste weeks on a denied application.
Zero fees you pay
Insurance and annuity carriers pay us — never you. Advice, quotes and enrollment are always at no cost.
How it works
From first call to fully covered — usually in a week.
01
Discovery call
15 minutes. Family, budget, existing coverage, goals.
02
Market comparison
We shop 30+ A-rated carriers and return the strongest two or three options.
03
Recommendation
Side-by-side, in plain English. Trade-offs disclosed. No pressure.
04
Enrollment & service
Paperwork, underwriting and every renewal — handled.
Free Quote
Not sure which coverage you need? Start with a free consultation.
Tell us what's on your mind — we'll do the comparing and come back with the two or three options actually worth considering.
Frequently asked
What South Florida families ask us most.
What insurance services does PB & J actually offer?+
Life insurance (term, whole, universal, mortgage protection, final expense, juvenile), critical illness and supplemental coverage (heart attack, stroke, cancer, hospital indemnity, accident), Medicare (Advantage, Supplement, Part D, dental, hearing, vision), and annuities (fixed, fixed indexed, MYGA).
Do you charge for a consultation or quote?+
No. Every quote and consultation is free. Insurance and annuity carriers pay us when you enroll — you never pay us directly.
Which areas of Florida do you serve?+
All of Broward County and Palm Beach County — including Fort Lauderdale, Pompano Beach, Lighthouse Point, Deerfield Beach, Coral Springs, Boca Raton, Delray Beach, Boynton Beach, Wellington and West Palm Beach. We also work with clients elsewhere in Florida virtually.
How long does it take to get a quote?+
Most quotes come back within 24 hours of your initial call. Enrollment timelines vary by product — simplified-issue life and Medicare plans move in days; fully underwritten life insurance typically takes 2–4 weeks.
Can you review the coverage I already have?+
Yes — and it's often where we find the fastest wins. Bring in your existing life, Medicare or annuity policies and we'll benchmark them against the current market at no charge.
Ready when you are
Get a free quote across any of our insurance services.
One advisor, four practices, thirty-plus carriers. Serving Broward and Palm Beach County since day one.