Carmen Delgado, Licensed Life & Health Agent · Florida DFS License 2-15 · Bilingual English, Spanish & Haitian Creole · Statewide life insurance appointments from Miami to Jacksonville.
A+ Better Business Bureau accredited since 2015 · NABIP member · AHIP Medicare certified annually · Florida DFS License 2-15 & 2-40
As an independent insurance agency, we are not tied to a single carrier. That means a Jacksonville family comparing life insurance, final expense, Medicare or ACA Marketplace coverage can see real quotes from 20+ A-rated companies — Florida Blue, UnitedHealthcare, Humana, Aetna, Mutual of Omaha, Foresters, Americo, Transamerica and more — side by side, in one sitting. Our team has handled more than 5,000 policy reviews and enrollments since 2011, and every consultation is free, educational, and never a pressure sale. If you want to understand exactly how underwriting, subsidies or Medicare enrollment periods work before you decide, that is precisely what we are here for.
Level term coverage from $50,000 to $2,000,000. A healthy 30-year-old Jacksonville resident can lock in $250,000 of 20-year term from $18–$24 per month, and a healthy 45-year-old can get $500,000 from $58–$75 per month. No-exam options available up to $1M for qualified applicants.
Compare Term RatesPermanent coverage that never expires and builds tax-deferred cash value you can borrow against. Ideal for Jacksonville business owners, self-employed 1099 contractors and families who want lifetime protection plus a living asset. Fixed premiums, guaranteed death benefit, no market losses.
Explore Permanent LifeCoverage from $5,000 to $25,000 designed to pay funeral costs, medical bills and small debts, typically $32–$95 per month depending on age and amount. Simplified and no-medical-exam options are available, with approval often in 24–48 hours for Jacksonville applicants.
Get Burial QuoteKeep the family home paid off if the unexpected happens. Living benefits let you access a portion of the death benefit early if you are diagnosed with a qualifying critical, chronic or terminal illness — a feature most Jacksonville mortgage holders do not know exists on these policies.
Request a ReviewNo health questions, no medical exam, no denial for pre-existing conditions. If you have been turned down before because of diabetes, heart history or COPD, this is the pathway we open for Jacksonville seniors. Coverage amounts from $5,000 to $25,000 with a graded benefit period.
Check EligibilityTurning 65 in Duval County? Many Medicare Advantage plans are available at a $0 monthly premium, while Medicare Supplement Plan G rates typically run $115–$210 per month in Florida. We are AHIP certified annually and CMS-compliant, so your enrollment is handled correctly the first time.
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Ambetter, Molina, Oscar, Florida Blue, Cigna and Simply Healthcare marketplace plans with full subsidy assistance. Most Jacksonville households qualify for premium tax credits, and many pay under $50 per month after subsidies. Enrollment help is free, and we also assist with Florida KidCare applications.
Get Subsidy HelpHealth, dental, vision, life and disability benefits for Jacksonville restaurants, salons, construction crews and professional offices. We build a plan that fits your payroll, then handle enrollment meetings and year-round employee support so you are not fielding HR questions during service hours.
Request Group QuoteBring us a policy you bought elsewhere — we review it at no cost, confirm your beneficiaries are current, and show you whether a fixed indexed or multi-year guaranteed annuity (MYGA) could produce more predictable retirement income. Disability income coverage is also available for self-employed workers.
Book Free ReviewWhile we specialize in life and health coverage, our Jacksonville agent network can also refer you to trusted providers for auto insurance, home insurance and commercial insurance quotes. Call +1-540-352-6249 and we will point you to the right local specialist.
We are an independent insurance agency with a Miami home office and statewide Florida life insurance appointments — which means Jacksonville clients get big-city carrier access with small-agency attention. No call centers, no rotating reps, no scripts. Just a licensed agent, a written comparison, and a straight answer.
Our founder Carmen Delgado has 23 years in the insurance industry and founded Biscayne Bay Life & Health Insurance Group in 2011 — 14+ years and 5,000+ clients later. We know Florida underwriting quirks, Duval County Medicare plan networks and the ACA subsidy math that Florida residents actually qualify for.
Every quote request and client question gets a response within 24 hours — and our average callback time is under 2 hours during business hours. Our phone line is monitored 24/7 at +1-540-352-6249, with evening video appointments Monday–Thursday until 8:00 PM during enrollment season.
Consultations, quotes and annual policy reviews are completely free — no fees, no obligation, no added markup. Carriers pay our commission, not you. And if you find a lower rate for identical coverage elsewhere, we will match it or show you exactly why the difference exists.
We are fully licensed (Florida DFS 2-15 and 2-40), AHIP Medicare certified and A+ BBB accredited since 2015, with a 4.9-star rating across 300+ reviews. No client is ever asked to commit during a first appointment, and claims support is included for the life of your policy.
Use this estimator for a realistic ballpark on 20-year term life coverage, then call +1-540-352-6249 for a firm quote from 20+ carriers. Actual pricing depends on health history, tobacco use, family history and the underwriting class you qualify for.
Estimate only — not a quote, offer or contract. Sample rates reflect 2026 Florida term life pricing for non-smokers and may vary by carrier, exam results and medical history.
The single biggest reason people overpay for life insurance is buying from one carrier instead of comparing. When we ran 2026 rate comparisons across our appointments, the same 45-year-old male with the same health profile saw a spread of nearly 40% between the least and most expensive carrier for identical $500,000 20-year term coverage.
What our free comparison includes:
Four simple steps, no pressure at any point. Most Jacksonville clients go from first phone call to an issued policy in 3 to 14 days depending on whether we use an accelerated no-exam path or full medical underwriting.
Call +1-540-352-6249 or submit the form below. We respond within 24 hours — usually under 2 hours — and set a 20–30 minute call or video appointment at a time that fits your schedule, including evenings.
We review your income replacement needs, mortgage balance, existing coverage, beneficiaries and health history. If you already own a policy purchased elsewhere, we review it at no charge and tell you honestly whether it still fits.
You receive written side-by-side quotes from 3 to 5 carriers with the same coverage amounts, riders and term lengths so the comparison is truly apples to apples. We explain which underwriting class you will likely land in and why the premium differs.
We complete the application with you, track underwriting, and confirm your policy is delivered and in force. Then we set a free annual review reminder so your coverage keeps pace with your Jacksonville life — new home, new baby, new business.
Life insurance is licensed statewide in Florida, so we serve every Jacksonville neighborhood from the Northside to the Beaches — in person, by phone, or by secure video appointment. Health and Medicare appointments are handled by phone or video with local network verification for your ZIP code.
Don't see your area? We serve the entire region — call +1-540-352-6249 and we will confirm coverage for your ZIP code, usually within the same conversation. Nearby providers and communities we regularly serve also include Fernandina Beach, Yulee, Green Cove Springs, St. Augustine, Baldwin, Callahan and Macclenny.
Verified reviews from real clients across Duval, Clay and St. Johns County. Names shortened for privacy, dates verified through our Google Business Profile and post-enrollment surveys.
"I called three agents from a life insurance agent comparison guide Jacksonville Florida article and only this one actually sent me written quotes from more than one company. They found me $500,000 of 20-year term for $64 a month — $41 less than the first quote I got. Policy was issued in 9 days."
Interested in learning more? Submit the form below.