Every family in Miami-Dade has a different risk, a different budget and a different retirement timeline. That is why Biscayne Bay Life & Health Insurance Group is appointed with 18+ carriers instead of one — so we can build coverage around restaurant owners in Little Havana, gig drivers in Hialeah, nurses in Kendall and retirees in Aventura. Consultations are always free, and our agents are paid by the carrier, never by you. When you contact a Life and Health Insurance agent in Miami at our office, you get side-by-side quotes, plain-language education and a free annual policy review for as long as you own the plan. See all product details on our services page.
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The most affordable way for Miami families to protect a mortgage, income and tuition. A healthy 30-year-old typically pays $18–$24/month for $250,000 of 20-year term; a 45-year-old pays roughly $58–$75/month for $500,000. We shop Mutual of Omaha, Transamerica, Americo, Foresters and more to find the lowest underwriting class you qualify for.
Get Free QuotePermanent coverage that never expires and builds cash value you can borrow against for a down payment, a business expansion or retirement income. Popular with self-employed Miami contractors and small business owners who want a fixed premium plus a tax-advantaged asset that is not tied to the stock market.
Schedule ConsultationCoverage from $5,000 to $25,000 that pays funeral costs, cremation, outstanding medical bills and small debts so your family never has to crowdfund. Simplified and guaranteed issue options require no medical exam and, in many cases, no health questions at all. Approval can take as little as 24 to 48 hours.
Check My RateCoverage designed to pay off the house if you pass away, with optional living benefit riders that advance part of the death benefit if you are diagnosed with a terminal, chronic or critical illness. A strong fit for first-time buyers in Homestead, Cutler Bay and Palmetto Bay who want the family to keep the home.
Get Free QuoteAHIP-certified and CMS-compliant help with Part C, Medigap and prescription drug plans from Florida Blue, Humana, UnitedHealthcare, Aetna, Cigna, Simply Healthcare and Doctor's Health Plan. We verify your doctors and medications before enrolling — and we do the annual Part D comparison every fall so your formulary never quietly changes under you.
Compare Medicare PlansFree enrollment help for Obamacare Marketplace plans with premium tax credit calculations, plus Florida KidCare applications at no cost. For businesses with 5 to 50 employees, we build small group benefits packages that help Miami restaurants, salons and construction crews recruit and keep good staff.
Start EnrollmentSince 2011 we have helped more than 2,000 Miami-Dade families and small businesses put real protection in place — and we have stayed independent so the recommendation always follows your needs, not a carrier quota.
Founder Carmen Delgado has spent 23 years in the insurance industry, holds Florida license 2-15 (Life, Health & Annuity) and 2-40, and renews her AHIP Medicare certification and Fraud, Waste & Abuse training every single year. Our team of 8 licensed agents and 3 bilingual support staff are members of NABIP, and the agency has been A+ accredited by the Better Business Bureau since 2015.
Learn more about our agency, licenses and credentials on our about page, or call +1-540-352-6249 to speak with a licensed agent today.
14+ years working inside Miami-Dade — from the Medicare-heavy corridors of Aventura and Miami Beach to the young family neighborhoods of Kendall, Doral and Westchester. We know which carriers move fastest in Florida and which ones fight claims.
Average quote turnaround under 2 hours during business hours, with a 24-hour response guarantee on every request. Claims emergencies and hospital admissions get same-day attention. Real humans answer — not a national call center.
Upfront premiums, no hidden fees and no service charges — ever. Carrier commissions are disclosed on request. If you find a lower rate for identical coverage, we will match it or explain in writing exactly why the difference exists.
Free annual policy reviews for life, even on policies you did not buy through us. Claims advocacy included: we make the carrier calls and handle the paperwork for your beneficiaries. All agents are fully licensed and insured in Florida.
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Four steps, one free appointment, zero obligation. Most Miami clients complete steps 1 through 3 in a single 45-minute conversation — in English, Spanish or Haitian Creole.
Call +1-540-352-6249 or submit the form on this page. We reply within 24 hours — usually within 2 hours — and book a time that fits your shift, including evening video appointments Monday through Thursday until 8:00 PM during Open Enrollment.
We review income, mortgage balance, dependents, current coverage, doctors, prescriptions and budget. If you already own a policy, we audit it for free — including policies purchased elsewhere — and show you exactly where the gaps or overcharges are.
You receive side-by-side quotes from multiple carriers in plain language, with the math written out: monthly cost, total premium, cash value projections and subsidy eligibility. Compare on your own time — no one is ever asked to commit during the first appointment.
We complete the application, schedule any exam, follow underwriting and confirm your policy is issued and correct. After that you get a free annual review, Part D re-shopping each fall, beneficiary updates and full claims advocacy when your family needs it most.
Our main office is in Little Havana at 2740 SW 8th Street, with a Kendall satellite office at 8900 SW 117th Avenue. Virtual appointments are available statewide for life insurance, and in-person or video for health and Medicare coverage.
Don't see your area? We serve the entire South Florida region — call +1-540-352-6249 and we will come to you, meet by video, or complete the entire life insurance application by phone. Life insurance is licensed statewide across all of Florida.
Real reviews from real neighbors — Little Havana to Kendall, Hialeah to Miami Beach. Names used with permission.
"I am a 1099 rideshare driver with no benefits, and I had put off life insurance for years because I assumed it was too expensive. Carmen got me $300,000 of 20-year term for $27 a month and finished the whole thing in 9 days. All in Spanish, all over the phone."
"My mother needed burial coverage at 71 with several health conditions. Three other agents told us no. Biscayne Bay found a guaranteed issue plan with no health questions — $15,000 of coverage for $86 a month — and it was approved the next day. They also handled the beneficiary paperwork for us."
"Turning 65 was overwhelming until a friend told me to contact a Life and Health Insurance agent in Miami who actually explains things. They checked that my cardiologist and all four of my prescriptions were covered, saved me $1,340 a year versus the plan I almost picked online, and re-checked my Part D again last fall."
"Our restaurant has 14 employees and no HR department. They built a small group benefits package that came in under the budget I had in my head, and their team onboarded every single staff member in two afternoons — in English and Spanish. We have not lost a kitchen hire since."
The questions our Little Havana and Kendall offices hear most this year. Tap any question to expand it — or call +1-540-352-6249 and ask us directly.
Nothing — every consultation, quote, policy review and enrollment is 100% free with no obligation and no cost to you. Our agents are compensated directly by the insurance carriers, so the premium you pay is exactly the same whether you enroll through us or apply on your own. You simply get comparison shopping and advocacy at no extra charge.
Most term life quotes are delivered the same business day, frequently within 45 minutes of your call to +1-540-352-6249. Final expense and guaranteed issue policies can be approved and issued in as little as 24 to 48 hours, while fully underwritten term policies typically take 2 to 4 weeks including the medical exam.
Sí — and wi. Our Little Havana office staffs bilingual agents and support team members in English, Spanish and Haitian Creole, and our monthly Medicare workshop (first Wednesday at 10:00 AM) is delivered in both English and Spanish. All policy documents can be explained line by line in the language you are most comfortable with.
Most Miami-Dade households we serve choose between $250,000 and $1,000,000 in term coverage — roughly 10 to 20 times annual income plus the remaining mortgage balance. As a real benchmark, a healthy 30-year-old can typically secure $250,000 of 20-year term coverage for about $18 to $24 per month.
Absolutely. We are AHIP Medicare certified and CMS compliant, and we represent Florida Blue, Humana, UnitedHealthcare, Aetna, Cigna and Simply Healthcare among others. Many 2026 Medicare Advantage plans in Miami-Dade carry a $0 monthly premium, while Medigap Plan G typically ranges from $115 to $210 per month depending on your age and tobacco use.
We keep guaranteed issue and simplified issue options specifically for ages 50 to 85 with no medical exam and no health questions. We also shop Mutual of Omaha, Foresters, Americo, Gerber Life and Transamerica to identify the carrier most likely to approve your exact condition — diabetes, COPD, heart history or prior cancer included.
Yes. Claim emergencies, hospital admissions and urgent Medicare Part D pharmacy problems are handled the same day you call. We also guarantee a response to every quote request or client question within 24 hours, and during Medicare AEP and ACA Open Enrollment we hold evening video appointments Monday through Thursday until 8:00 PM.
Online portals generally sell one carrier's product. We are an independent agency appointed with more than 18 carriers, so we compare rates side by side and show you the math. You also get a named licensed agent, a free annual policy review, and claims advocacy — we handle the carrier calls and paperwork for your beneficiaries at claim time.
No-exam final expense and guaranteed issue policies typically issue in 24 to 72 hours. Term life with full underwriting averages 2 to 4 weeks, and accelerated underwriting programs can complete in 5 to 10 business days. You receive your policy documents electronically within hours of issuance and paper copies by mail.
That is one of our specialties. Gig drivers, restaurant and hospitality staff, salon professionals and construction workers without employer benefits make up a large share of the 2,000+ clients we have served since 2011. We also build small group employee benefit packages for Miami businesses with 5 to 50 employees.
Term life covers you for a set period — 10, 15, 20 or 30 years — and delivers the lowest cost per dollar of protection, which makes it ideal for mortgages and child-raising years. Whole life and Indexed Universal Life last your entire lifetime and build cash value you can borrow against. We show both side by side before you choose.
Never. Our no-pressure promise means no client is asked to commit during the first appointment. We teach you how underwriting classes, ACA premium tax credits and Medicare election periods actually work, then send you home with a written proposal so you can decide on your own timeline — with no follow-up pressure.
Medicare Annual Enrollment runs October 15 – December 7 and ACA Open Enrollment runs November 1 – January 15. Rates and subsidies change every year — lock in your 2026 pricing with a licensed Miami agent before the deadlines close. Our phones are answered 24/7.
Reach out by phone, form or email. A licensed agent — not a call center — responds personally, usually within 2 hours during business hours, with our 24-hour response guarantee on every request.
| Monday – Friday | 8:30 AM – 6:30 PM EST |
| Saturday (by appointment) | 9:00 AM – 2:00 PM |
| Sunday | Closed |
| Evening video (Mon–Thu, Oct 15 – Dec 7 & Nov 1 – Jan 15) | Until 8:00 PM |
4.9 out of 5 stars from more than 300 verified Google reviews — and A+ accredited by the Better Business Bureau since 2015. Carmen Delgado, Licensed Life & Health Agent and founder, has personally answered Florida policyholders for 23 years.
Free bilingual Medicare workshop hosted at the Little Havana office the first Wednesday of every month at 10:00 AM. Walk-ins welcome, seating limited — call +1-540-352-6249 to reserve a chair.