Our licensed agents write life insurance across all of Florida and health, Medicare and ACA coverage throughout Miami-Dade, Broward and Monroe counties. Because we're appointed with more than 8 carriers — including Florida Blue, UnitedHealthcare, Humana, Mutual of Omaha and Transamerica — we can show you the real difference between buying online directly and working with a local insurance agent, then let you decide with actual numbers in hand. Consultations and quotes are 100% free, and commissions are paid by the carrier, never by you.
Level term coverage from $50,000 to $2,000,000 with no medical exam options available for qualified applicants. We compare underwriting offers from Mutual of Omaha, Transamerica, Americo, John Hancock and Nationwide in one sitting — a healthy 45-year-old typically sees $500,000 of 20-year term priced between $58 and $75 per month.
Get Your Free QuotePermanent coverage that builds tax-deferred cash value you can borrow against for a down payment, college tuition or retirement income. Our agents illustrate guaranteed whole life side by side with indexed universal life so you can see the floor, the cap and the surrender schedule before you sign — not after.
Get Your Free QuoteCoverage from $5,000 to $25,000 designed to pay funeral costs, medical bills and small debts so your family never passes a collection plate. Guaranteed-issue plans for ages 50–85 require no health questions and no medical exam, with approval decisions often returned the same business day.
Get Your Free QuoteA policy sized to your exact Miami-Dade mortgage balance that pays the lender directly if you pass away — and can advance cash to you if you're diagnosed with a qualifying critical, chronic or terminal illness. Ideal for families in Kendall, Doral, Homestead and Cutler Bay who bought during the last rate cycle.
Get Your Free QuoteAHIP-certified and CMS-compliant enrollment help during Medicare's Annual Enrollment window (Oct 15 – Dec 7). We run your prescriptions through every Part D formulary and compare Florida Blue, Humana, UnitedHealthcare, Aetna, Cigna and Simply Healthcare networks so your doctors stay in-network.
Get Your Free QuoteFree subsidy calculations for Obamacare plans from Ambetter, Molina, Oscar Health and Doctor's Health Plan — plus Florida KidCare enrollment assistance at zero cost to you. We also build small group employee benefits for Miami businesses with 5 to 50 employees, including restaurant, salon and construction crews.
Get Your Free QuoteWhen you're weighing whether to buy life insurance online vs through an agent, the deciding factor is usually what happens after the sale. Online portals don't attend the underwriting call, don't fight a denied claim, and don't know that your cardiologist at Baptist Health needs to be in-network on your Medicare Advantage plan. We do.
Founded in 2011 in Little Havana by Carmen Delgado — who has 23 years in the insurance industry — our agency now runs eight licensed agents and three bilingual support staff serving Miami-Dade, Broward and Monroe counties, with life insurance licensed statewide across Florida. More than 2,000 families rely on us, and we've completed over 5,000 policy reviews for clients who bought elsewhere.
Fourteen years serving the Miami community from our Little Havana main office and Kendall satellite office. We know which carriers underwrite Miami-Dade ZIP codes favorably, which Medicare Advantage networks include Baptist Health and Jackson Memorial physicians, and which ACA plans actually pay claims in South Florida.
Average callback under 2 business hours and a documented 24-hour response guarantee on every quote request and client question. Evening video appointments run Monday through Thursday until 8:00 PM during Medicare Annual Enrollment and ACA Open Enrollment — so you never have to take time off work.
Upfront quotes with no hidden fees, no enrollment charges and no cost for a consultation or a policy review. Commissions are paid by the insurance carrier, not by you — and if you find a lower rate for identical coverage, we'll match it or explain in writing exactly why the difference exists.
Every client receives a free annual policy review plus claims advocacy: we make the carrier calls, file the paperwork and follow up with beneficiaries ourselves. Fully licensed and A+ BBB accredited since 2015, with a no-pressure promise — nobody is asked to commit during the first appointment.
Four steps from first call to an issued policy — most life applications are submitted the same week, and many health enrollments are completed in a single 30-minute appointment.
Interested in learning more? Submit the form below.
Call +1-540-352-6249 or submit the quote form. Within 2 business hours an agent calls you back in English, Spanish or Haitian Creole and schedules a 20-minute phone or video appointment — including evenings until 8:00 PM Monday through Thursday during enrollment season.
We review your health history, budget, dependents, mortgage balance and existing policies — including coverage you bought elsewhere. This is the step where the buy life insurance online vs through an agent comparison becomes concrete: we pull live carrier quotes and place them next to the online rate you were shown.
You receive a written comparison of 3–5 carrier options with exact monthly premiums, riders, waiting periods and living-benefit terms. No obligation to move forward. If a direct online policy genuinely wins, we'll say so — many clients simply keep the coverage and use our free annual review.
We complete the application, schedule any paramedical exam, track underwriting daily and deliver the policy to you. After issue, your agent stays assigned: beneficiary updates, claims advocacy, and a complimentary policy review every year for as long as you own the coverage.
There's nothing wrong with shopping online first. In fact, we encourage it. Enter your age, coverage amount and term length in the free rate estimator below, or jump straight to the contact page and tell us what you found. We'll confirm whether that quoted rate is a real approval offer or a "starting at" teaser, and whether the policy includes living benefits, waivers of premium and a convertible term rider.
Two offices and statewide life insurance licensing mean we can meet you in person, by video, or over the phone — wherever you are in South Florida.
Don't see your area? We serve the entire region — call us at +1-540-352-6249.
Our main office sits at 2740 SW 8th Street, Suite 210, Miami, FL 33135, with a satellite office at 8900 SW 117th Avenue, Suite 305, Miami, FL 33186. Evening and Saturday appointments are available by request, and life insurance applications can be completed entirely by video for clients anywhere in Florida. Read more about our team and credentials.
Use the estimator to ballpark a healthy-class 20-year term premium, then compare it to the direct-to-consumer numbers you've already seen. When you're ready, the form on the right reaches a licensed Miami agent — not a call center queue.
Estimates reflect healthy-class, 20-year level term pricing available to Miami-Dade residents as of 2026. Actual offers depend on medical history, tobacco use and carrier underwriting.
Estimates are illustrative only and are not an offer of insurance. For an exact offer, call +1-540-352-6249 or request your free comparison.
| Factor | Buying Online | Through Our Miami Agency |
|---|---|---|
| Pricing | "Starting at" teaser rates; final offer can jump after underwriting | Live quotes from 8+ carriers, side by side, before you apply |
| Underwriting guidance | You self-report and hope the class is accurate | We match your health profile to the carrier most likely to approve preferred rates |
| Denied or rated cases | Start over with another website | We re-shop declined or rated cases to guaranteed-issue and simplified-issue carriers |
| Customer support | Email tickets and general call centers | Named licensed agent, 24-hour response guarantee, bilingual service |
| Claims help | Beneficiary files alone | We call the carrier, submit paperwork and follow up on your family's behalf |
| Ongoing reviews | None unless you initiate | Free annual policy review for life — plus beneficiary updates at no charge |
| Cost to you | Policy premium only | Policy premium only — commissions are paid by the carrier |
Complete the form and a licensed agent from our Little Havana or Kendall office will contact you within 2 business hours. Prefer to talk now? Call +1-540-352-6249 — we're available 24/7.
Real results from families and business owners across Miami-Dade, Broward and Monroe counties.
"I had an online quote for $61 a month and was ready to click. Carmen's team ran my health profile through four carriers and got me $500,000 of 20-year term for $54 with a living-benefits rider included. Same coverage, less money, and a real person who answered on a Saturday."
"My mom turned 65 in November and we were completely lost on Medicare. They compared six Advantage plans and found one that kept both her cardiologist and her pharmacy. The whole enrollment took 35 minutes and cost us nothing. They even called back twice to confirm the card arrived."
"I run a salon with 11 stylists and needed group benefits. They built a package in nine days and saved us roughly $4,100 a year versus the broker we used before. Enrollment for the whole team was done in one evening after closing."
"After my father passed, their office handled every carrier call and form for us. We never had to explain the situation twice, and the claim paid out in 11 days. That's the part no website does for you — and it's why I moved my own policy over to them."
Straight answers on pricing, timelines, credentials and the online-versus-agent decision.
For the same carrier and the same policy, the premium is identical — carriers pay agent commissions, so working with a licensed agent costs you nothing extra. The real savings come from underwriting placement: our Miami agents match your health profile to the carrier most likely to approve a preferred class, which often beats a generic online quote by 10–25%. Clients regularly find $5 to $30 in monthly savings on identical term coverage after we re-shop an online quote.
Nothing. Consultations, quotes, policy comparisons and annual reviews are 100% free with no obligation and no hidden fees. Our agents are compensated by the insurance carrier after a policy is issued, never by the client. You can walk away from any appointment without owing us a penny.
Simplified-issue and guaranteed-issue final expense policies are frequently approved the same business day, and we've had policies issued in 48 hours. Fully underwritten term life with a paramedical exam typically takes 2 to 4 weeks depending on how quickly medical records arrive from your physician's office. We track every file daily and follow up with carriers so nothing stalls.
It comes down to three things: who verifies the rate is real, who handles a denied claim, and who answers when you have a question in year seven. Online portals are great for comparing price. A licensed agent adds underwriting strategy, claims advocacy and an annual policy review — the parts that matter when something goes wrong rather than when everything is easy.
No. Medicare Advantage, Medigap, Part D, ACA Marketplace and Florida KidCare enrollment assistance are all provided at zero cost to you. We're AHIP Medicare certified annually and CMS-compliant in our marketing and enrollment practices, so you get accurate plan information without pressure or upselling.
Absolutely. Our free no-obligation policy review covers policies you purchased anywhere, including direct-to-consumer websites. We'll confirm your beneficiary designations are correct, check whether your rate class was accurate, and tell you honestly whether you're overpaying. If you are, we'll show you the alternative — and if you're not, we'll tell you that too.
Yes. Every agent holds an active Florida Department of Financial Services license — License 2-15 for Life, Health and Annuity, and License 2-40 for health-only — and completes annual continuing education plus AHIP Medicare certification. Our agency has been A+ Better Business Bureau accredited since 2015 and carries full professional liability coverage.
Yes. Standard office hours are Monday through Friday 8:30 AM – 6:30 PM and Saturday 9:00 AM – 2:00 PM by appointment at our Little Havana and Kendall offices. During Medicare Annual Enrollment (Oct 15 – Dec 7) and ACA Open Enrollment (Nov 1 – Jan 15) we also hold video appointments Monday through Thursday until 8:00 PM. Phone support is available 24/7 in English, Spanish and Haitian Creole.
This is one of the strongest reasons to work with a local agent. Declines and rated offers are common online because applicants self-select the wrong carrier. We re-shop declined cases to simplified-issue and guaranteed-issue carriers — including options with no medical exam for ages 50 to 85 — and we've placed coverage for clients with diabetes, prior cardiac events and controlled cancer histories.
We write life insurance statewide across all of Florida through virtual appointments, and we serve health and Medicare clients in person or by video throughout Miami-Dade County with secondary coverage in Broward and Monroe counties. Offices are located in Little Havana and Kendall, and our agents travel to clients in Hialeah, Coral Gables, Doral, Homestead, Aventura and Miami Beach regularly.
We do. Claims advocacy is included with every policy at no charge. Our team contacts the carrier, requests the required forms, submits the certified death certificate and follows up with the claims examiner until the benefit is paid. In a recent Miami-Dade case, that process took 11 days from first call to payout — with the beneficiary never having to speak to a call center.
Every quote you receive from us is generated through carrier illustration systems using the health information you provide, and we disclose the rate class it assumes — preferred plus, preferred, standard or table rated. We also honor a rate-shopping guarantee: if you find a lower published rate for identical coverage, we will match it or explain in writing exactly why the difference exists.
Yes. Every new client receives a free no-obligation life insurance policy review, a $50 gift card referral bonus for each referral that results in an issued policy, and complimentary $0-cost enrollment help for Florida KidCare and ACA subsidies. We also host a free bilingual Medicare workshop at our Little Havana office on the first Wednesday of every month.
Whether you're ready to buy or still deciding between buying life insurance online vs through an agent, one free 20-minute call gives you real numbers from 8+ carriers. No fees, no obligation, no pressure — just a licensed Miami agent who answers the phone.
Biscayne Bay Life & Health Insurance Group · 2740 SW 8th Street, Suite 210, Miami, FL 33135 · Kendall: 8900 SW 117th Avenue, Suite 305, Miami, FL 33186 · info@biscaynebaylifehealth.com
Interested in learning more? Submit the form below.