As an independent insurance agency in Miami, we are not tied to a single carrier — which means we compare real quotes from Florida Blue, UnitedHealthcare, Humana, Mutual of Omaha, Transamerica and 13 more companies before we recommend anything. Our licensed agents (Florida License 2-15 and 2-40) handle life insurance, final expense, Medicare, individual health plans, and small business benefits for families and businesses across Miami-Dade, Broward and Monroe County. Whether you are a self-employed rideshare driver in Hialeah with no employer benefits or a retiree turning 65 in Coral Gables, you get a written comparison, plain-language explanations, and zero pressure. Learn more on our services page or call us directly at +1-540-352-6249.
Call: +1-540-352-6249
Level-term coverage from $50,000 to $2,000,000 for the years your family needs protection most. Healthy 30-year-olds in Miami often qualify for $250,000 of 20-year term for roughly $18–$24 per month; healthy 45-year-olds pay about $58–$75 for $500,000. We shop Mutual of Omaha, Americo, John Hancock, Transamerica and North American in one sitting.
Get a Term Life QuoteCall: +1-540-352-6249
Permanent life insurance that builds tax-deferred cash value you can borrow against later. Ideal for Miami small business owners, restaurant operators and families who want lifelong coverage plus a conservative savings component. We illustrate guaranteed vs. projected values side by side so you see exactly what is guaranteed and what is not.
Review Cash Value OptionsCall: +1-540-352-6249
Coverage for ages 45–85 designed to pay funeral costs, medical bills and small debts without burdening your children. Plans range from roughly $32 to $95 per month for $5,000–$25,000 in benefits, with no-medical-exam and guaranteed-issue options for clients with diabetes, COPD or prior heart conditions.
See Final Expense RatesCall: +1-540-352-6249
AHIP-certified and CMS-compliant help at 65 and beyond. Many Miami-Dade Medicare Advantage plans carry a $0 monthly premium, while Medicare Supplement Plan G typically runs $115–$210 per month depending on age and tobacco use. We verify your doctors and prescriptions are covered before you enroll — not after.
Compare Medicare PlansCall: +1-540-352-6249
Individual and family health insurance for self-employed workers, 1099 contractors, ride-share drivers, hospitality and salon professionals. Most Miami-Dade households qualify for premium tax credits — many of our clients pay under $50 per month after subsidies. We also help families enroll in Florida KidCare at no cost to you.
Check My SubsidyCall: +1-540-352-6249
Mortgage protection with living benefits keeps your family in the home if you pass away, and can advance part of the benefit if you are diagnosed with a qualifying critical, chronic or terminal illness. For Miami businesses with 5–50 employees, we build group medical, life and disability packages and run the enrollment meetings ourselves.
Request Business BenefitsA captive agent can only sell you one company's products. As an independent Miami insurance agency, we are appointed with 18+ carriers and get paid the same either way — so our only incentive is finding the policy that actually fits your health history, budget and family situation. Here is what that looks like in practice for South Florida clients.
Founded in Little Havana in 2011, we have served the Miami community for 14+ years and completed thousands of life and health insurance enrollments in Miami-Dade alone. We know which carriers underwrite Miami's diverse health histories, which Medicare Advantage networks actually include your Kendall or Hialeah doctors, and how Florida's ACA rating area 44 affects your subsidy.
We guarantee a response within 24 hours on every quote request — and most requests submitted before 4:00 PM EST get a callback the same day, often inside 45 minutes. During Medicare Annual Enrollment (Oct 15–Dec 7) and ACA Open Enrollment (Nov 1–Jan 15) we hold evening video appointments Monday–Thursday until 8:00 PM, plus Saturday hours by appointment.
Consultations, quotes and policy reviews are 100% free — no fees, no retainers, no markup on your premium. Commissions are paid by the insurance carriers, not by you, and we disclose that openly. If you find an identical policy at a lower rate, our rate-shopping guarantee means we will match it or explain in writing exactly why the difference exists.
Every client receives a free annual policy review, and we handle carrier calls, paperwork and claim filings on behalf of beneficiaries through our claims advocacy service. We are A+ BBB accredited (since 2015), NABIP members, and all 8 agents hold active Florida licenses with annual AHIP and continuing-education certification.
Interested in learning more? Submit the form below.
No jargon, no fear tactics, no surprise costs. Most Miami clients go from first phone call to an issued policy in 3–10 business days — and many health and Medicare plans are approved in under 48 hours.
Call +1-540-352-6249 or submit the form below. Tell us in a few minutes what you need — life coverage, Medicare at 65, ACA plans after losing employer benefits, or group benefits for your business. We answer in English, Spanish or Haitian Creole and never ask you to commit on the first call.
We review your age, health history, medications, budget, existing policies and beneficiary designations. If you already own coverage, we include a free policy review in this step — even if you did not buy it from us — and show you what you are actually paying for versus what you think you are paying for.
You receive a written side-by-side comparison of up to six carriers with monthly premiums, underwriting requirements, waiting periods and living benefit riders. We explain guaranteed versus projected values, network details and subsidy calculations so you make the decision with facts instead of a sales pitch.
We complete the application with you, coordinate any medical exam or phone interview, and confirm your policy is issued and your beneficiaries are recorded. Then we schedule your first free annual review — and re-shop your Medicare or health plan every enrollment period at no charge.
Most Miami-Dade residents we meet are overpaying — for term life they bought years ago, for a Medicare plan that no longer covers their prescriptions, or for an ACA plan priced without the premium tax credit they qualify for. A typical review with our agency surfaces between $240 and $1,800 in annual savings.
Request your free, no-obligation quote below and a licensed agent will respond within 24 hours with real numbers from multiple carriers. Prefer to talk it through right now? Call +1-540-352-6249 — we are available 24/7 for questions and same-day appointments.
✔ Side-by-side premium comparison from 18+ carriers including Florida Blue, Humana, UnitedHealthcare, Mutual of Omaha and Transamerica
✔ Prescription and doctor-network check before you enroll
✔ ACA subsidy and premium tax credit calculation
✔ Beneficiary and cash-value audit on existing policies
✔ Written recommendation with zero sales pressure — you are never asked to commit during the first appointment
Complete the short form and a licensed agent from our Miami office will contact you within 24 hours. Your information is confidential and never sold.
Our main office is at 2740 SW 8th Street in Little Havana, with a satellite office at 8900 SW 117th Avenue in Kendall. We meet clients at home, at their business, at our offices, or by video anywhere in Florida — whichever is easiest for you.
Don't see your area? We serve the entire region — call +1-540-352-6249 and we will confirm coverage in your zip code today. Life insurance is licensed statewide across Florida, so we can help clients in Tampa, Orlando and Jacksonville by video as well.
Real results from real South Florida families and business owners who worked with our life and health insurance agency in 2025 and 2026.
"I'm a 1099 rideshare driver with no benefits, and Carmen found me an ACA Marketplace plan where my subsidy covered almost everything — I pay $38 a month for a silver plan that includes my Baptist Health doctors. She ran my prescriptions before recommending anything and explained the deductible in plain Spanish."
"We compared five carriers in one appointment and got $500,000 of 20-year term for $62 a month — about $310 a year less than the quote my bank gave me. Application was submitted Monday and the policy was issued by Friday. The annual review reminder is a nice touch."
"My mother turned 65 and we were completely lost on Medicare. The agent verified her cardiologist and all nine of her medications were covered before we enrolled, and got her a $0-premium Medicare Advantage plan with dental. She responded to my texts in about 30 minutes every time."
"I own a 14-person restaurant in Little Havana and needed group benefits that would actually get used. They set up medical, dental and life coverage, ran the employee enrollment meeting in Spanish and Creole, and handled every carrier form. Our staff retention improved noticeably this year."
These are the questions our Miami agents hear most often. If yours is not here, call +1-540-352-6249 — we answer 24/7, and there is never a charge for advice.
Rates depend on age, health, tobacco use and the amount of coverage. As a current reference: a healthy 30-year-old Miami resident can often secure $250,000 of 20-year term life insurance for approximately $18 to $24 per month, while a healthy 45-year-old typically pays $58 to $75 per month for $500,000 of 20-year term coverage. We compare eight life carriers at once, so you see the real range rather than a single company's price.
Yes — 100% free with no obligation. We charge no consultation fees, no policy-review fees and no markup on your premiums. Our agents are compensated directly by the insurance carriers. You can walk away from any appointment without buying anything, and we will still send you the written comparison for your records.
Sí, of course. Our Little Havana office provides full service in English, Spanish and Haitian Creole by phone, in person and by video appointment. Three of our eleven team members are dedicated bilingual support staff, and our free Medicare workshop on the first Wednesday of each month is presented in both Spanish and English.
Often, yes. We offer simplified-issue plans with a few health questions answered by phone, and guaranteed-issue life insurance for ages 50 to 85 with no health questions and no exam at all. Guaranteed-issue policies typically have a two-year graded benefit period, and we always explain that clearly before you enroll so there are no surprises for your family.
Absolutely. We are AHIP certified annually and CMS compliant, and we compare Medicare Advantage (Part C), Medicare Supplement (Medigap) and Part D prescription drug plans from Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Simply Healthcare and more. We check your doctors and medications against each plan's formulary before recommending it, and we never charge for the appointment.
We guarantee a response within 24 hours on every request, and most quote requests submitted before 4:00 PM EST receive a same-day callback — often within 45 minutes during business hours. Our offices are open Monday through Friday 8:30 AM to 6:30 PM, Saturday 9:00 AM to 2:00 PM by appointment, with evening video appointments until 8:00 PM Monday through Thursday during enrollment season.
That is exactly why we run a provider and prescription check before you enroll rather than after. If your medications or physicians are not on a plan's formulary or network, we simply do not recommend that plan. If your health needs change mid-year, we will re-shop your coverage during the next valid enrollment window at no cost and walk you through switching.
Yes. Our claims advocacy service is included with every policy we place. When a claim arises, our staff contact the carrier, submit the required documentation and follow up until the benefit is paid — so your family is not left navigating a call center during an already difficult time. We also help update beneficiary designations any time your family situation changes.
Self-employed workers, 1099 contractors, gig-economy drivers and restaurant or salon employees without employer coverage can enroll in ACA Marketplace plans during Open Enrollment (November 1 to January 15) or with a Special Enrollment Period after a qualifying life event. Most Miami-Dade households qualify for premium tax credits, and many of our clients end up paying under $50 per month after subsidies are applied.
Yes. Life insurance is licensed statewide in Florida, so we regularly help clients in Broward County (Hollywood, Pembroke Pines, Miramar, Fort Lauderdale), Monroe County (Key Largo, Islamorada) and elsewhere in the state by video. In-person health and Medicare appointments are available throughout Miami-Dade, or by video anywhere in Florida.
We examine your death benefit, premium structure, cash value performance, riders, carrier financial ratings and beneficiary designations — including policies purchased from another agency or directly from a carrier. You receive a written summary of gaps, overlaps and potential savings, plus a clear recommendation. There is no cost and no obligation to change anything.
Yes. We design and administer small group benefits for teams of 5 to 50 employees, including medical, dental, life, short-term disability and voluntary products. We handle plan design, carrier quotes, paperwork and on-site employee enrollment meetings in English, Spanish or Haitian Creole. Visit our services page or call +1-540-352-6249 to request a group proposal.
Health and Medicare: Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina Healthcare, Oscar Health, Doctor's Health Plan and Simply Healthcare. Life: Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica, North American, Nationwide and Gerber Life. Because we are independent, you are never limited to one company's underwriting rules.
Call +1-540-352-6249, email info@biscaynebaylifehealth.com, or complete the free quote form on this page. A licensed agent will confirm your goals, gather a few details and schedule a 20 to 30 minute appointment — in person, by phone or by video — at whatever time works best for you. Learn more about our agency or contact our Miami office.
Biscayne Bay Insurance Group, LLC was founded in 2011 by Carmen Delgado, a licensed life and health agent with 23 total years in the insurance industry. Carmen started the agency after watching too many families in her own neighborhood sign policies they did not understand — burial insurance they did not need, Medicare plans that excluded their cardiologists, and term life policies with premiums that jumped in year 11. The agency's mission is simple and unchanged: educate first, recommend second, and never sell a policy the client cannot explain back to us in their own words.
Fourteen years later, our team of 8 licensed agents and 3 bilingual support staff has served more than 5,000 South Florida clients, placing thousands of policies with more than 2,000 families currently protected across Miami-Dade, Broward and Monroe County. We operate from two offices — our main location at 2740 SW 8th Street, Suite 210 in Little Havana, and a Kendall satellite office at 8900 SW 117th Avenue, Suite 305 — and serve the rest of Florida by video appointment.
Our values are straightforward. We are independent, so we answer to our clients instead of one carrier. We are bilingual, because Miami deserves insurance advice in Spanish and Haitian Creole, not just English. We are education-first, which means we explain how underwriting, ACA subsidies and Medicare formularies actually work before we ever talk about premiums. And we stay accountable — every client gets a free annual policy review, and our claims advocacy team handles carrier calls and paperwork on behalf of beneficiaries.
In the community, we host a free bilingual Medicare workshop at our Little Havana office on the first Wednesday of every month, sponsor local youth soccer in Kendall, and provide no-cost enrollment assistance for Florida KidCare and ACA subsidies. We are A+ BBB accredited since 2015, members of the National Association of Benefits and Insurance Professionals, and hold Florida licenses 2-15 and 2-40 with annual AHIP certification. Read more about our team and history, or contact our Miami office to set up a free consultation.
Get Your Free QuoteLife insurance rates increase with age, and Medicare and ACA enrollment windows close on December 7 and January 15. Spend 20 minutes with a licensed Miami agent this week and find out exactly what you qualify for — free, with no obligation and no pressure.
Available 24/7 for questions · Free annual policy reviews · A+ BBB accredited · 4.9★ from 300+ Miami reviews