🕗 Mon–Fri 8:30 AM–6:30 PM · Sat by appointment · Evening video appointments until 8:00 PM during Medicare AEP
As an independent insurance agency, we are not tied to a single carrier — which means we can compare plans side by side and recommend what actually fits your budget and health needs. Our Miami team has placed more than 5,000 life and health policies since 2011, from $250,000 term life for a 30-year-old rideshare driver in Hialeah to $0-premium Medicare Advantage plans for retirees in Kendall. Every consultation is free, every quote is no-obligation, and our agents are paid by the carrier — never by you. Whether you need life insurance, ACA Marketplace health coverage, Medicare, or small group employee benefits, we handle the paperwork, the underwriting calls, and the enrollment start to finish.
Level-term coverage from $50,000 to $2,000,000 through Mutual of Omaha, Foresters, Americo and Transamerica. Sample rate: a healthy 30-year-old in Miami can qualify for $250,000 of 20-year term from about $18–$24/month. Underwriting in as little as 24 hours with no-exam options available.
Get Free QuotePermanent coverage that builds tax-deferred cash value you can borrow against later. Popular with self-employed Miami business owners and 1099 contractors who want lifelong protection plus a supplemental retirement asset. We illustrate projections at 0%, 5% and 7% so you see realistic outcomes, not sales math.
Get Free QuoteDesigned for ages 45–85 with coverage of $5,000–$25,000 to cover funeral costs, cremation and outstanding bills. Typical premiums run $32–$95 per month, and guaranteed-issue options require no medical exam and no health questions. Benefits are paid directly to your named beneficiary — usually within days.
Get Free QuoteAHIP-certified and CMS-compliant enrollment in Humana, UnitedHealthcare, Florida Blue, Aetna, Cigna and Simply Healthcare. Many Medicare Advantage plans in Miami-Dade carry a $0 monthly premium. Medigap Plan G typically runs $115–$210/month depending on age. We compare drug formularies before we recommend anything.
Get Free QuoteAmbetter, Molina, Oscar Health, Doctor's Health Plan and Florida Blue Marketplace plans with full premium tax credit assistance. Most Miami-Dade households we enroll pay under $50 per month after subsidies. We also handle Florida KidCare enrollment at zero cost to your family — including the application paperwork.
Get Free QuoteMortgage protection with living benefits keeps the family home paid if the unexpected happens. For Miami restaurant, salon and construction owners with 5–50 employees, we build affordable group health, dental and disability packages that help you recruit and retain staff without blowing the payroll budget.
Get Free QuoteWant the full product list? Visit our services page or read about our agency to learn how our education-first approach works.
Captive agents can only sell one company's products. As an independent insurance agency, we hold appointments with 18 carriers across life and health — so when a plan changes its formulary, raises rates, or tightens underwriting, we simply move you to a better option. That independence, plus 14+ years of local Miami experience, is why more than 2,000 families trust our team with their coverage.
Our founder, Carmen Delgado, has 23 years in the insurance industry and has been serving the Miami community since 2011 from our Little Havana office at 2740 SW 8th Street. We know how Miami-Dade carriers underwrite: which ones accept controlled diabetes, which ones look favorably on self-employed income, and which Medicare Advantage networks actually include your cardiologist at Baptist or Jackson.
Our team answers quote requests and client questions within 24 hours — and in practice, most calls are returned in under 2 hours during office hours. Urgent claims and enrollment-deadline questions get same-day handling. During Medicare Annual Enrollment (Oct 15–Dec 7) and ACA Open Enrollment (Nov 1–Jan 15) we extend evening video appointments until 8:00 PM Monday through Thursday.
Zero fees, zero markup, zero hidden cost. Insurance carriers pay our commission, not you — so the price you get through us is the same as buying direct, only with an advocate attached. Every quote is itemized, and our rate-shopping guarantee means that if you find a lower rate for identical coverage, we will match it or explain in writing exactly why the difference exists.
We are A+ Better Business Bureau accredited (since 2015), NABIP members, and hold active Florida DFS licenses 2-15 and 2-40. Every client gets a free annual policy review, a no-pressure first appointment, and claims advocacy — our staff calls the carrier and files the paperwork on behalf of your beneficiaries so your family never has to fight alone during a difficult time.
Most clients go from first phone call to an active policy in under a week — often in 48 hours for ACA and Medicare enrollments. Here is exactly what happens when you contact our Miami office.
Interested in learning more? Submit the form below.
Call +1-540-352-6249, submit the form, or walk into our Little Havana or Kendall office. You'll speak with a licensed Florida agent — not a call center — in English, Spanish or Haitian Creole. We'll ask about your family, your budget and any health conditions, and that's it. No commitment on the first call.
We run a complimentary policy review, including plans you already own from another agency. We check your current Medicare drug coverage, existing life policies for gaps or duplicate coverage, and income eligibility for ACA premium tax credits. You leave this step knowing exactly where you stand — nothing is sold.
You receive side-by-side quotes from up to 10 carriers with identical coverage amounts so the comparison is honest. We explain underwriting classes, waiting periods and network differences in plain language. You pick what fits. If nothing fits your budget today, we tell you that too.
We complete the application, handle underwriting and carrier calls, and confirm your policy documents arrive. Then we stay on: free annual reviews every year, help with beneficiary updates, and full claims advocacy for your family. Your agent's direct line remains open long after the policy is issued.
As of 2026, term life insurance rates in Florida remain among the most competitive in the country. Use the estimator below for a ballpark monthly premium, then call +1-540-352-6249 for an exact, medically underwritten quote at no cost.
| Profile | Coverage | Est. Monthly |
|---|---|---|
| Age 30, healthy, non-smoker | $250,000 / 20-yr | $18 – $24 |
| Age 45, healthy, non-smoker | $500,000 / 20-yr | $58 – $75 |
| Age 55, good health | $250,000 / 20-yr | $95 – $140 |
| Final expense, ages 45–85 | $5,000 – $25,000 | $32 – $95 |
Sample rates are illustrative and based on 2026 Florida carrier filings. Actual premiums depend on medical underwriting, tobacco use, prescription history and family medical history. Medicare Supplement Plan G in Miami-Dade typically ranges $115–$210/month by age.
Our insurance agency operates two offices in Miami-Dade County and meets clients at home, at their business, or by video anywhere in Florida. Life insurance is licensed statewide.
Also serving Key Largo and Islamorada in Monroe County, plus statewide life insurance appointments by video. Don't see your area? We serve the entire South Florida region — call +1-540-352-6249 and we'll come to you.
We hold a 4.9-star average across 300+ Google reviews. Here are recent, specific results from Miami-Dade families and business owners we've helped in the past year.
"I'm a rideshare driver with no benefits, so I needed term life and my own health plan. Carmen explained the ACA subsidy rules in Spanish to my wife and me on a Saturday. We ended up with $300,000 of 20-year term for $27/month, and our Marketplace plan came out to $41 a month after the tax credit. Everything was approved and active in 4 days."
Saved $310/month on health premiums"My mom turned 65 in January and had three Medicare mailers a day. We called at 9:15 AM and had a video appointment by noon the same day. The agent pulled her prescription list, checked every formulary, and found a $0-premium Advantage plan that covers all four of her medications. Zero pressure, zero cost to us."
Prescription costs cut from $190 to $0/month"We run a 22-employee restaurant in Little Havana. Biscayne Bay built us a group health and disability package that came in $1,400 a month cheaper than our old broker's renewal. They handled all the employee enrollment meetings in English and Spanish. Turnover dropped noticeably this year because people actually keep their coverage."
Saved $16,800/year on group benefits"My father passed in November and I dreaded dealing with the insurance company. I called our agent's direct line at 8:40 AM. She filed the claim for us, called Mutual of Omaha herself, and followed up twice without being asked. The $150,000 death benefit was deposited in 11 business days. I never want to go through that again, but I'm grateful we had someone in our corner."
Death benefit paid in 11 business daysTell us a little about what you need — life insurance, Medicare, ACA health coverage, or employee benefits — and a licensed agent from our Miami team will reach out within 24 hours. Your information stays private and is never sold.
Prefer to talk now? Call +1-540-352-6249 — someone answers Monday–Friday 8:30 AM–6:30 PM EST.
Nothing. Our consultations, quotes, policy reviews, ACA subsidy calculations and Medicare enrollment help are all 100% free with no obligation. Insurance carriers pay our commission, so the premium you pay through us is identical to buying directly from the company — you simply get a licensed advocate at no extra cost. There are no fees, no service charges and no cancellation penalties from our agency.
Most health and Medicare quotes are ready the same day you call. Term life quotes take about 15 minutes. Fully underwritten policies typically issue in 2 to 4 weeks after the exam, and simplified-issue or no-exam products can be approved in as little as 24 to 48 hours. We respond to every quote request within 24 hours — and usually within 2 hours during office hours.
For health and Medicare we are appointed with Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina Healthcare, Oscar Health, Doctor's Health Plan and Simply Healthcare. For life insurance we work with Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica, North American, Nationwide and Gerber Life. Because we're independent, we can compare all of them side by side before recommending anything.
Yes. Our team of 8 licensed agents and 3 support staff provides full service in English, Spanish and Haitian Creole, by phone or in person. Both of our Miami offices — Little Havana and Kendall — are staffed bilingually, and all policy documents can be explained in your preferred language before you sign anything.
In many cases, yes. Carriers treat controlled conditions very differently, and our job is to match your specific health profile to the most lenient underwriter. We routinely place clients with controlled diabetes, hypertension and prior cardiac events. If traditional underwriting won't approve you, guaranteed-issue final expense coverage (ages 50–85) requires no health questions and no medical exam.
Medicare Advantage (Part C) replaces Original Medicare with a private network plan — many in Miami-Dade have a $0 monthly premium, but you generally stay in network and pay copays for services. Medicare Supplement (Medigap) pays alongside Original Medicare with far fewer network restrictions, but you pay a monthly premium — Plan G typically runs $115–$210 in Miami-Dade depending on your age. We compare both options against your doctors and prescriptions before you decide.
Most Miami-Dade households we enroll do qualify for premium tax credits. Subsidy amounts are based on household income and family size, and many of our clients end up paying under $50 per month after credits are applied. We also help families enroll in Florida KidCare for children at no cost. There is no charge for checking your eligibility — call +1-540-352-6249.
Yes — claims advocacy is included with every policy we place. Our staff calls the carrier, submits the paperwork and follows up on your behalf. In a recent Miami-Dade final expense claim, we filed the documentation ourselves and the $150,000 benefit reached the beneficiary in 11 business days. You will never be handed a phone number and left to figure it out alone.
Absolutely, and it's free. Our no-obligation policy review covers life, health and Medicare plans you bought elsewhere. We look for coverage gaps, duplicate policies, outdated beneficiaries, and cheaper equivalents from our 18 appointed carriers. If your current policy is genuinely better, we'll tell you to keep it — that honesty is why our clients stay for decades.
Businesses with 50 or more full-time employees must offer affordable coverage under the employer mandate, but even smaller Miami businesses — restaurants, salons, construction crews — benefit enormously from group plans. We build packages for teams of 5 to 50 covering medical, dental and disability. One Little Havana restaurant client saved $16,800 per year compared to their prior broker's renewal.
Our agency holds Florida Department of Financial Services licenses 2-15 (Life, Health & Annuity) and 2-40 (Health). Our Medicare agents complete AHIP certification plus Fraud, Waste & Abuse training annually, and all marketing is CMS-compliant. We are NABIP members and have been A+ Better Business Bureau accredited since 2015, with a 4.9-star Google rating across more than 300 reviews.
Yes. We're open Monday–Friday 8:30 AM–6:30 PM and Saturdays 9:00 AM–2:00 PM by appointment. During Medicare Annual Enrollment (October 15 – December 7) and ACA Open Enrollment (November 1 – January 15) we add evening video appointments until 8:00 PM Monday through Thursday. Home visits are available throughout Miami-Dade for clients who prefer to meet in person.
Still have a question? Visit our contact page or read more on the about us page — or just call +1-540-352-6249.
Life and health rates are locked at your age and health the day you apply — as of 2026, every birthday means a higher premium. Talk to a licensed Miami insurance agent in the next 24 hours and get an exact, no-obligation quote in under 15 minutes.
Biscayne Bay Life & Health Insurance Group · Little Havana: 2740 SW 8th Street, Suite 210, Miami, FL 33135 · Kendall: 8900 SW 117th Avenue, Suite 305, Miami, FL 33186