Every Jacksonville household has a different gap in coverage — a mortgage that needs protecting, a parent who needs final expense coverage, a 64-year-old turning 65 and facing Medicare decisions, or a 1099 contractor with no employer benefits at all. As your independent life and health insurance agent in Jacksonville, Florida, we shop term life, whole life and IUL, final expense, mortgage protection, Medicare Advantage, Medigap, Part D, ACA Marketplace plans, Florida KidCare and small group benefits across 18+ appointed carriers. You get side-by-side comparison, plain-English explanation, and a recommendation that fits your budget — not a quota.
Coverage from $50,000 to $2,000,000 with level premiums locked for the full term. A healthy 30-year-old Jacksonville resident can often secure $250,000 of 20-year term for $18–$24 per month. Ideal for new parents, mortgage holders and anyone replacing lost income.
Get Free QuotePermanent coverage that never expires, builds tax-deferred cash value and can be accessed through policy loans later in life. We illustrate guaranteed vs. non-guaranteed columns side by side so you see exactly what you are buying — no projections you cannot verify.
Get Free QuoteCoverage amounts of $5,000–$25,000 with no medical exam and no health questions on guaranteed issue plans. Premiums typically run $32–$95 per month depending on age and face amount. Most Jacksonville families are approved in 3 to 7 business days.
Get Free QuoteDesigned to pay off the mortgage if you pass away during the loan term, with optional living benefits that accelerate a portion of the death benefit if you are diagnosed with a qualifying critical, chronic or terminal illness. Protects your family from losing the home.
Get Free QuoteAHIP-certified and CMS-compliant every year. We compare Medicare Advantage (Part C), Medicare Supplement Plan G and Part D drug plans from Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna and more. Many Advantage plans are $0 monthly premium; Plan G in Miami-Dade averages $115–$210 per month.
Get Free QuoteFree enrollment help for ACA Marketplace / Obamacare plans and premium tax credits — many Florida households pay under $50 a month after subsidies. We also enroll Florida KidCare and build 5–50 employee group benefit packages for small business owners.
Get Free QuoteWe are not a captive agent for one carrier. Biscayne Bay Life & Health Insurance Group was founded in 2011 in Little Havana, Miami by Carmen Delgado — a licensed agent with 23 years in the insurance industry. Our team of 8 licensed agents and 3 bilingual support staff holds Florida DFS License 2-15 (Life, Health & Annuity) and 2-40 (Health Insurance Only), is AHIP Medicare certified annually, and is a member of the National Association of Benefits and Insurance Professionals (NABIP). That independence is what lets a Jacksonville family compare 18+ carriers in a single appointment instead of accepting the first rate they are shown.
Serving Florida communities for over 14 years, with 23 total years of industry experience behind our founder. We have handled more than 5,000 quote and policy-review requests and understand how Florida underwriting, hurricane-zone property questions and Medicare plan networks actually work.
Our office answers quote requests within 24 hours — most same-business-day. Phone support is available Monday–Friday 8:30 AM–6:30 PM EST, Saturday 9:00 AM–2:00 PM by appointment, plus extended evening video appointments until 8:00 PM during Medicare Annual Enrollment (Oct 15–Dec 7) and ACA Open Enrollment (Nov 1–Jan 15).
Zero client fees. Carrier-paid commissions only. Every quote is presented side by side with the guaranteed column clearly labeled, and we tell you when a cheaper plan exists with a different carrier — even if we earn less on it. Rate-shopping guarantee: if you find a lower rate for identical coverage, we match it or explain the difference in writing.
Free annual policy review for every client for life, even on policies you did not buy from us. 24-hour response guarantee on every client question. Full claims advocacy: our team calls the carrier and files the paperwork for your beneficiary so no family faces a denial alone. A+ BBB accredited since 2015.
Prefer to talk now? Call +1-540-352-6249 — Available 24/7 messaging, live agents during office hours.
These are real, current sample rates our agents quote every week. Your exact premium depends on age, health history, tobacco use, coverage amount and carrier underwriting — which is precisely why shopping multiple carriers matters. Use this as your starting benchmark, then call us for a personalized number.
$250,000 of 20-year term life insurance. Enough to cover a Jacksonville mortgage, replace income for 15+ years and keep a young family in place.
Get My Rate$500,000 of 20-year term life insurance. Fits parents with teenagers, business owners with debt, and anyone covering a 15-year remaining mortgage.
Interested in learning more? Submit the form below.
$5,000–$25,000 of burial and final expense coverage with no medical exam options. Most approvals in 3–7 business days.
Get My RateAlso available as of 2026: many Medicare Advantage plans with $0 monthly premium, Medicare Supplement Plan G typically $115–$210 per month in Miami-Dade, and ACA Marketplace plans where most Florida clients qualify for premium tax credits — many households pay under $50 per month after subsidies. All quotes and consultations are free, with no obligation and no cost to the client.
Four straightforward steps, no pressure at any point, and no client is ever asked to commit during the first appointment. Here is exactly what happens from your first call to your annual policy review.
Call +1-540-352-6249 or submit the quote form. We spend 20–30 minutes learning your situation: mortgage balance, dependents, income to replace, medications, doctors and budget. Available in English, Spanish or Haitian Creole.
We calculate a real coverage target using your debts, income replacement years and final expense estimate — then build a budget ceiling you are comfortable with. You receive a written summary before any application is discussed.
We run your profile against 18+ appointed carriers, then pre-screen health conditions against each carrier's underwriting guide so you apply where you will be approved at the best rate class. Accelerated programs can issue in 24–72 hours.
We complete the application, track it through underwriting, confirm delivery of your policy and set up beneficiaries correctly. Then every year we review your coverage free of charge — for life — and advocate with the carrier on any claim.
Life insurance is licensed statewide across all of Florida, so our licensed agents serve Jacksonville and Northeast Florida by secure video appointment or in person. Health and Medicare appointments are available by phone and video year-round, with bilingual support in English, Spanish and Haitian Creole.
Don't see your area? We serve the entire region — call +1-540-352-6249 and we will confirm coverage availability in your ZIP code the same day.
4.9 stars across 300+ reviews, an A+ Better Business Bureau rating since 2015, and a referral culture that has grown us to 2,000+ families protected. Here are recent results in our clients' own words.
"I was quoted $94 a month by a captive agent for $250,000 of term. Carmen's team ran my profile through six carriers and got me approved at $61 a month — that's $396 saved every year, about $7,900 over the 20-year term. She also fixed my beneficiary designation, which had been wrong for four years."
"My mother is 72 and I needed final expense coverage without a medical exam. They explained the graded benefit period honestly instead of hiding it, and she was approved in five business days for $15,000 at $78 a month. When she passed, they called the carrier themselves and stayed on the claim until it paid."
"I turned 65 in November and had 14 Medicare mailers on my table. Their agent spent 50 minutes on video comparing three Advantage plans and one Plan G against my actual prescription list. I ended up on a $0 premium plan and my insulin is capped. They answered my follow-up question within 40 minutes."
These are the questions our Jacksonville clients ask most often. If yours is not listed, call +1-540-352-6249 — we respond within 24 hours, guaranteed.
As of 2026, a healthy 30-year-old can typically get $250,000 of 20-year term life for about $18–$24 per month. A healthy 45-year-old usually pays $58–$75 per month for $500,000 of 20-year term. Final expense coverage for ages 45–85 generally runs $32–$95 per month for $5,000–$25,000 of coverage. Your exact rate depends on age, health, tobacco use, coverage amount and the carrier's underwriting class.
No. Consultations, quotes, policy reviews and enrollment help are 100% free with no obligation. Our agents are compensated by the insurance carrier, not by you — so the price you pay is the same whether you work with us or apply directly. There is no cost to the client at any stage.
We guarantee a 24-hour response on every quote request and client question. In practice, most Jacksonville clients who call or submit the form before 4:00 PM EST receive carrier comparisons the same business day. Complex cases involving health conditions or business-owned policies may take 2–3 business days to pre-screen properly across multiple carriers.
Yes. We offer: (1) Guaranteed issue life insurance for ages 50–85 with no health questions at all, (2) Simplified issue final expense plans with a short health questionnaire, and (3) Accelerated underwriting term policies that use prescription and database checks instead of a needle-and-urine exam — often issued in 24 to 72 hours.
Absolutely. We are AHIP-certified and CMS-compliant annually, so our guidance follows federal Medicare marketing rules. We compare Medicare Advantage (Part C), Medicare Supplement Plan G and Part D prescription drug plans from Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, WellCare and others — matched against your actual doctor and prescription list, not a generic recommendation.
Yes. Biscayne Bay Insurance Group, LLC holds Florida Department of Financial Services License 2-15 (Life, Health & Annuity) and License 2-40 (Health Insurance Only). Life insurance is licensed statewide across all of Florida, so we serve Jacksonville, Ponte Vedra, Orange Park and St. Augustine by secure video appointment or in person. Our agency has been licensed since 2011 with 14+ years of continuous Florida service.
Claims advocacy is included with every policy we place. Our team calls the carrier directly, submits the required documentation and follows the claim until payment is issued — at no charge to your beneficiary. You will never have to navigate an 800-number call center alone or explain your policy from scratch during a difficult time.
Yes. We provide phone and video support in English, Spanish and Haitian Creole with 8 licensed agents and 3 dedicated bilingual support staff. Medicare and ACA enrollment appointments are available in all three languages, and we also host a free bilingual Medicare workshop at our Little Havana office on the first Wednesday of each month.
This is one of our specialties. Gig drivers, restaurant and hospitality workers, salon professionals, construction contractors and small business owners make up a large share of our client base. We build individual packages that combine term or IUL life insurance with ACA Marketplace health coverage — and because most Florida households qualify for premium tax credits, many pay under $50 a month for health coverage after subsidies.
Any Florida resident qualifies — even if you bought your policy from a different agent or company years ago. We examine your death benefit, premium, cash value, riders, beneficiaries and term expiration, then tell you in writing whether you are overpaying or under-covered. Many clients discover outdated beneficiary designations or policies that expire before their mortgage is paid off.
If you find a lower premium for identical coverage from a carrier we are appointed with, we will match it or provide a written explanation of the difference — for example, a shorter term, a lower rating class, or a graded benefit structure that limits early payout. We put the guarantee in writing before you sign any application.
Yes. We build employee benefit packages for businesses with 5–50 employees, including group life, short and long-term disability, dental, vision and supplemental coverage. Florida small group health plans are also available, and we coordinate enrollment so owners do not lose productivity during onboarding.
Life insurance rates rise with age and every birthday cycle is a rate increase you cannot undo. One 20-minute conversation with a licensed Jacksonville life and health insurance agent could save your family thousands — and cost you nothing. Enroll before the next carrier rate adjustment.
📞 Call Now: +1-540-352-6249Available 24/7 for messages · Live agents Monday–Friday 8:30 AM–6:30 PM EST · Saturday 9:00 AM–2:00 PM by appointment
Jacksonville is the largest city by land area in the contiguous United States, and that geography shapes insurance here in ways most national call centers never explain. Duval County households in Riverside, San Marco and Avondale often carry long mortgage terms on historic homes, while families in Mandarin, Southside and Bartram Park are managing newer 30-year notes with young children. In Arlington and the Beaches neighborhoods, a large share of residents are self-employed, military-adjacent contractors or hospitality workers with no employer-provided life or health benefits at all. Each of those situations calls for a different coverage structure, and that is exactly what a local independent life and health insurance agent in Jacksonville, Florida should help you figure out.
We see three recurring coverage gaps in Jacksonville ZIP codes 32202, 32204, 32207, 32210, 32216, 32218, 32246, 32256, 32258, 32003 and 32082. First, parents buy a 20-year term policy to match a 30-year mortgage and end up unprotected for the final decade. Second, workers who left an employer plan during a career change between 2023 and 2025 replaced their group life coverage with nothing. Third, residents turning 65 in 2026 enroll in a Medicare Advantage plan without checking whether their Jacksonville specialists are in-network — then discover the gap at the pharmacy counter.
Our team has handled more than 5,000 quote and policy-review requests across Florida since 2011, and our founder Carmen Delgado brings 23 years of total industry experience. We are A+ Better Business Bureau accredited since 2015, hold Florida DFS License 2-15 and 2-40, complete AHIP Medicare certification and Fraud, Waste & Abuse training every year, and are members of the National Association of Benefits and Insurance Professionals (NABIP). Every agent completes annual continuing education as required by the Florida Department of Financial Services.
If you want a licensed agent who can explain Medicare, ACA subsidies and life insurance underwriting in plain English before recommending anything, start with a free consultation. Call +1-540-352-6249, review our full list of insurance services, or learn more about our agency and credentials. You can also request your free quote online and we will respond within 24 hours.
Complete the form below and a licensed agent will contact you within 24 hours with side-by-side carrier comparisons. Prefer to talk right now? Call +1-540-352-6249.