Life Insurance · Broward & Palm Beach County
Life insurance built around the people you love — not the carrier's script.
Independent term, whole, universal, mortgage protection, final expense and juvenile life insurance across Fort Lauderdale, Boca Raton, Delray Beach and West Palm Beach. One advisor, 30+ A-rated carriers, and 18 years of experience picking the plan that actually fits.
Why it matters
If someone would notice the paycheck missing, you need life insurance.
Most South Florida families are one income away from a very different life. A mortgage in Coral Springs, private school in Boca, an aging parent in Delray — the numbers add up quickly. Life insurance is the one product that turns a worst-case day into a solvable one, and in Florida it's still available at some of the most competitive rates in the country when you shop it correctly.
The catch: not all policies age well. A cheap term policy sold ten years ago may now be overpriced. A whole-life plan pitched to you at 32 may not match the goals you have at 45. PB & J Insurance was built to fix that — we re-shop, restructure, and re-explain the coverage families already have, then quote the market for anything missing.
The coverage lineup
Every kind of life insurance a South Florida family actually needs.
Term Life
10, 15, 20, 25 and 30-year term policies — the most affordable way to cover a mortgage, business loan, or income replacement window.
Whole Life
Permanent coverage with a guaranteed cash value that grows tax-deferred — a quiet, dependable asset alongside your 401(k).
Universal Life (IUL)
Flexible premium and death benefit, with cash value tied to a market index — upside potential with a downside floor.
Mortgage Protection
Coverage sized precisely to your Broward or Palm Beach mortgage so the home stays with your family, not the bank.
Final Expense
Simplified-issue whole life designed for seniors — funeral, burial and end-of-life costs handled without draining savings.
Juvenile / Newborn Life
Guaranteed insurability, locked-in rates and cash value for children, newborns and grandchildren — often for less than a phone bill.
Problems we solve
The situations most South Florida homeowners actually walk in with.
"My term policy is about to expire." We re-shop the market before the rate spikes, often locking in a longer term at a lower premium than you paid a decade ago.
"We just had a baby." A newborn life insurance policy locks in insurability forever — critical protection if a health issue ever appears later in life. We also right-size the parents' coverage now that college, childcare and a bigger house are on the table.
"My parents can't leave us with the funeral bill." Final expense insurance is quick to underwrite, guaranteed, and affordable — even with existing health conditions.
"I own a business." Key-person, buy-sell, and executive-bonus life insurance strategies are a specialty here — the tax advantages alone often justify the conversation.
Free Quote
Not sure which policy fits? Get a free comparison in 24 hours.
We shop 30+ carriers, put the top options side-by-side, and explain the trade-offs in plain English.
Locally rooted
Life insurance quotes across all of Broward & Palm Beach County.
From Fort Lauderdale and Lighthouse Point through Boca Raton, Delray Beach, Boynton Beach and West Palm Beach — every application is handled personally, in-person if you prefer, by an advisor who has spent 18 years placing life insurance in South Florida.
Frequently asked
Life insurance questions we hear every week.
How much life insurance do I actually need in South Florida?+
A common starting point is 10–15× your annual income, plus any outstanding mortgage or private-school commitments. In Broward and Palm Beach County — where home values and cost of living are elevated — we typically model coverage against your real monthly obligations, not a generic formula.
What's the difference between term life and whole life?+
Term life is temporary and inexpensive — the right tool for covering a mortgage, business loan, or the years your children are dependent. Whole life is permanent and builds guaranteed cash value; it's more expensive but performs like a conservative asset class. Universal life sits in between, offering flexibility on premium and death benefit.
Can I buy life insurance for my baby or grandchild?+
Yes. Juvenile life insurance (also called newborn or children's life insurance) locks in future insurability at the lowest possible rate, and quietly accumulates cash value the child can access as an adult — for a first home, tuition, or a business.
Do I need a medical exam?+
Not always. Many carriers now offer accelerated underwriting or fully no-exam policies up to specific coverage amounts. We'll match you with the fastest path that still gives you the best rate.
Will my Florida life insurance quote change if I have health conditions?+
It can, but PB & J Insurance works with carriers that specialize in almost every scenario — diabetes, high blood pressure, cardiac history, cancer survivorship, and more. We shop those markets specifically so a health note doesn't automatically mean a high premium.
How quickly can I be covered?+
For simplified-issue and no-exam policies, coverage can be in place within 24–72 hours. Fully underwritten policies typically take 2–4 weeks. Either way, we handle the paperwork start to finish.
Also from PB & J Insurance
The rest of your coverage, in one place.
Ready when you are
Get a free life insurance quote — no obligation, no pressure.
Same-day response for families across Broward and Palm Beach County.