Rated 4.9 stars across 300+ Google reviews and accredited by the Better Business Bureau with an A+ rating since 2015. Our 8 licensed agents and 3 bilingual support staff handle every question personally — never a call center, never a script. Read more about our Miami agency.
Whether you are a 1099 rideshare driver in Little Havana with no employer benefits, a Doral small-business owner covering a team of 12, or a Coral Gables retiree turning 65 this year, we shop your profile across 18 appointed carriers — Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Mutual of Omaha, Foresters, Americo, Transamerica and more. Every consultation is free, every quote is side-by-side, and our privacy policy Life and Health Insurance agent standards mean your Social Security number, medical history, and banking details are encrypted and never sold. Prefer a full list of our services? We have it laid out by product line. Speak to a licensed agent today at +1-540-352-6249.
A healthy 30-year-old in Miami can often secure $250,000 of 20-year term coverage for roughly $18–$24 a month; a healthy 45-year-old can lock $500,000 for about $58–$75 monthly through Mutual of Omaha or Americo. We run non-medical and fully underwritten comparisons so you never overpay for identical protection.
Permanent policies build cash value you can borrow against for a down payment, a business opportunity, or supplementing retirement income. We illustrate guaranteed columns versus projected columns transparently — no inflated projections — so Miami families can see exactly what is guaranteed and what is not.
Funeral costs in Miami-Dade average well over $9,000 once you include burial, service, and cemetery expenses. Our final expense plans range from $5,000 to $25,000 in coverage with simplified or no-medical-exam approval, so a diagnosis of diabetes or high blood pressure does not automatically disqualify you.
If you are diagnosed with a qualifying critical, chronic, or terminal illness, living benefits let you access your death benefit while you are still alive — to keep paying the mortgage, cover treatment travel, or replace lost income. Coverage terms match your remaining loan schedule, often 15 or 30 years.
We are AHIP-certified annually and CMS-compliant in our marketing and enrollment. Compare Medicare Advantage Part C, Medicare Supplement Plan G (typically $115–$210 per month in Miami-Dade depending on age), and standalone Part D drug plans. Our free bilingual workshop runs the first Wednesday of every month at our Little Havana office.
Self-employed workers, salon and restaurant staff, and 1099 contractors usually qualify for premium tax credits that dramatically reduce ACA costs. We also enroll Florida KidCare at $0 cost to you and design 5–50 employee group benefit packages for Miami small businesses. Enrollment help is always free.
We are not captive to a single insurance company. That one difference changes every recommendation we make — and it is why 5,000+ clients across Miami-Dade have trusted us with their life and health coverage.
Founder Carmen Delgado has 23 total years in the insurance industry and opened our Little Havana office in 2011. We know how Miami-Dade hospital networks differ between Baptist Health, Jackson Health, and HCA facilities — and we check your doctors and prescriptions before you enroll, not after. Our team has placed over 5,000 life and health policies in Miami and handled the claims that followed.
Every quote request and client question receives a response within 24 hours — most within 45 minutes during business hours. During Medicare Annual Enrollment (Oct 15 – Dec 7) and ACA Open Enrollment (Nov 1 – Jan 15) we extend evening video appointments Monday through Thursday until 8:00 PM. Emergency claims questions are answered 24/7 at +1-540-352-6249.
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Consultations, quotes, and annual policy reviews are 100% free. Our commissions are paid by the insurance carrier, never by you, so the rate you see is the rate you pay. There are no fees, no hidden charges, and no obligation to buy at your first appointment. If you find a lower rate for identical coverage, we will match it or explain in writing exactly why the difference exists.
You get a free annual policy review for life, including policies you did not buy from us. Need to file a claim? We call the carrier, gather the paperwork, and advocate for your beneficiaries so a grieving family never has to navigate a call center alone. Fully licensed under Florida 2-15 and 2-40, A+ BBB accredited, and NABIP members.
These are real starting ranges our agents quoted to Miami-Dade clients this year. Your exact rate depends on age, health history, tobacco use, and coverage amount — but this gives you a realistic baseline before you call.
30-year-old, $250,000 / 20-year term: from $18–$24/month
45-year-old, $500,000 / 20-year term: from $58–$75/month
Final expense, ages 50–85: $32–$95/month for $5,000–$25,000
Guaranteed issue, ages 50–85: no health questions, no exam
Ask about our rate-shopping guarantee — if you find a lower rate for identical coverage, we match it or explain the difference line by line.
Medicare Advantage (Part C): many plans at $0 monthly premium in Miami-Dade
Medicare Supplement Plan G: typically $115–$210/month by age
ACA Marketplace: most households pay under $50/month after premium tax credits
Florida KidCare: $0 enrollment help, $0 agency cost
There is no charge for subsidy calculations, plan comparisons, or enrollment assistance. Call +1-540-352-6249 for a free 15-minute savings estimate.
Four straightforward steps, zero pressure, and a written record of everything we recommend. Most life applications are submitted the same week you call.
Call +1-540-352-6249, submit the form on our contact page, or walk into 2740 SW 8th Street, Suite 210 in Little Havana. A licensed agent — not a call center — speaks with you in English, Spanish, or Haitian Creole about your budget, family situation, and goals. This call is free and there is no obligation to enroll.
We review existing coverage, including employer benefits, Medicaid eligibility, and any policies you bought elsewhere. Bring an old policy and we will read the fine print with you. In 2025 alone, our policy reviews uncovered more than $180,000 in combined annual premium savings for Miami clients who were overpaying for duplicate or outdated coverage.
You receive plan comparisons from multiple carriers in plain language: the monthly premium, the deductible, the network, the exclusions, and the exact underwriting class we expect. We explain how Medicare, ACA subsidies, and life insurance underwriting actually work before recommending anything — education first, always. Your personal data is handled under our privacy policy Life and Health Insurance agent data standards and is never sold or shared with marketers.
We submit the application, schedule any required exam, and follow up with the carrier until the policy is issued and delivered. After that, you get a free annual review, beneficiary updates at no charge, and claims advocacy — we make the carrier calls on your family's behalf. Most term life policies are issued in 2 to 4 weeks; simplified issue final expense plans can be approved in 24 to 72 hours.
Our agents meet clients in person or by video throughout Miami-Dade, Broward, and Monroe counties. Life insurance is licensed statewide across all of Florida.
Also serving: Hollywood, Fort Lauderdale, Key Largo, and Islamorada. Searching for an insurance agent near me in Miami-Dade? We are four minutes from the SW 8th Street and SW 27th Avenue interchange, with free parking at our Little Havana office. Don't see your area? We serve the entire region — call +1-540-352-6249.
Real feedback from real Miami-Dade households. Every review below reflects a policy we placed or a policy review we completed at no charge.
"Carmen found me a 20-year term policy at $21 a month after my old agent quoted $64 for the same $250,000. She explained the underwriting classes line by line. Whole thing was finished in 3 days and I never left my house in Hialeah."
"I'm a 1099 rideshare driver in Little Havana with zero benefits. They walked me through ACA subsidies and got my monthly premium down to $42 from the $310 I was paying. Responded to my text in under 30 minutes every single time."
"When my father passed, this agency handled every carrier phone call for us. They filed the claim, followed up weekly, and the $15,000 final expense benefit was paid to my mother in 11 days. I will never use another agent in Miami."
"I turned 65 and was completely lost on Medicare. They compared six Advantage plans and a Plan G, showed me which ones covered my Baptist Health cardiologist, and saved me about $500 a year versus the plan I almost bought online."
These are the questions our Miami agents answer every week. Still unsure? Call +1-540-352-6249 and speak with a licensed agent directly.
Pricing depends on age, health, tobacco use, and coverage amount. As of 2026, a healthy 30-year-old in Miami-Dade can get $250,000 of 20-year term coverage for roughly $18–$24 per month, and a healthy 45-year-old can get $500,000 for about $58–$75 per month. Final expense coverage for ages 45–85 typically runs $32–$95 per month for $5,000–$25,000 in benefits. We quote multiple carriers at once so you see the true spread.
Yes. Our consultations, quotes, annual policy reviews, and enrollment help are 100% free with no obligation. We are paid by the insurance carrier after a policy is issued — never by you. That means the premium you see is the premium you pay, with no agency fees, no markup, and no hidden charges.
Simplified and final expense policies can be approved in as little as 24 to 72 hours. Fully underwritten term and permanent policies typically take 2 to 4 weeks depending on how quickly medical records arrive and whether an exam is required. We track every application and give you status updates without you having to chase the carrier.
Our privacy policy for Life and Health Insurance agent services states that all personal, medical, and financial information you share — Social Security numbers, medical history, prescriptions, and banking details — is used solely to obtain quotes and submit applications. We never sell your data to lead brokers or marketing lists, and we store records with encryption in compliance with Florida and federal insurance privacy requirements. You can request a written copy at any time.
Absolutely. We are AHIP-certified annually and CMS-compliant in our marketing and enrollment. We compare Medicare Advantage (Part C), Medicare Supplement Plan G (typically $115–$210 per month in Miami-Dade depending on age), and standalone Part D drug plans. Many Advantage plans in our area carry a $0 monthly premium, and we always verify your doctors and prescriptions before enrolling.
Yes — and you are exactly who we built this practice for. Rideshare drivers, restaurant workers, salon professionals, and construction contractors in Miami-Dade usually qualify for ACA Marketplace premium tax credits based on household income. Many of our clients end up paying under $50 per month after subsidies, and some qualify for $0-premium bronze or silver plans. We also enroll Florida KidCare at no cost to you.
We do. Guaranteed issue life insurance is available for ages 50–85 with no health questions and no medical exam, and simplified issue final expense plans require only a short health questionnaire. Coverage amounts range from $5,000 to $25,000 with graded benefits in the first two years. If you have diabetes, heart history, or a prior cancer diagnosis, we still have carrier options for you.
You call +1-540-352-6249 and we handle it. Our agency contacts the carrier, requests the claim forms, helps your beneficiary complete them correctly, and follows up until the benefit is paid. In one recent Miami case, we got a $15,000 final expense benefit paid out in 11 days. Claims advocacy costs you nothing — it is included with every policy we place.
Our team provides full bilingual phone and in-person support in English, Spanish, and Haitian Creole. Every document we walk you through can be explained in your preferred language, and we host a free bilingual Medicare workshop at our Little Havana office on the first Wednesday of every month.
Our Little Havana and Kendall offices are open Monday through Friday, 8:30 AM to 6:30 PM EST, and Saturday 9:00 AM to 2:00 PM by appointment. During Medicare Annual Enrollment (Oct 15 – Dec 7) and ACA Open Enrollment (Nov 1 – Jan 15), we add evening video appointments Monday through Thursday until 8:00 PM. Phone support is available 24/7 for urgent client questions.
No. Free no-obligation policy reviews are one of our core service promises, and they cover policies purchased from any carrier or agent. We read the contract, check the premium against current 2026 rates, verify the beneficiary designations, and identify gaps. There is no cost and no requirement to switch anything.
One phone call is all it takes. Give us your age, ZIP code, health background, and coverage goal, and our licensed agents run a single profile across 18 appointed carriers — Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Mutual of Omaha, Foresters, Transamerica, and others — then present a side-by-side comparison. You will see the premium, network, deductible, and exclusions for each option in plain language. Try our services page first, or call +1-540-352-6249 to start now.
Complete the secure form below and a licensed agent responds within 24 hours — usually much faster. Your information is protected under our privacy policy for Life and Health Insurance agent services and is never sold.
Rates change with age, and every year you wait can raise your premium permanently. Speak with a licensed Miami insurance agent now and lock in 2026 pricing. Available 24/7 — English, Spanish, and Haitian Creole.
📞 Call Now: +1-540-352-6249