Florida License 2-15 (Life, Health & Annuity) · AHIP Medicare Certified · A+ BBB Accredited since 2015 · 4.9★ Google rating from 300+ reviews
When people ask how to choose a life insurance agent solutions that actually fit their life, the answer usually starts with range of options. Because we are an independent agency — not a captive agent for one company — we can place the same client with Mutual of Omaha, Foresters, Americo, Transamerica, Florida Blue, Humana or UnitedHealthcare depending on health history, budget and goals. Our team of 8 licensed agents has handled more than 5,000 policy consultations across Miami-Dade since 2011, and every quote is free.
Level term coverage from $50,000 to $2,000,000 for a fixed period, ideal for new parents, mortgage holders and 1099 contractors in Miami without employer benefits. A healthy 30-year-old typically pays $18–$24/month for $250,000 of 20-year coverage, and a healthy 45-year-old pays roughly $58–$75/month for $500,000.
Get Free QuotePermanent coverage that never expires and builds tax-deferred cash value you can borrow against. We illustrate guaranteed versus non-guaranteed columns side by side so you can see exactly what happens in a flat market year — a detail many Miami buyers say they never received from a single-carrier agent.
Get Free QuoteSimplified-issue and no-medical-exam plans covering $5,000 to $25,000 for funeral costs, medical bills and small debts. We specialize in approvals for clients with diabetes, COPD or prior heart events, and our agents walk families through the two-year graded benefit period before anyone signs.
Get Free QuoteCMS-compliant help comparing Medicare Part C, Medicare Supplement Plan G (typically $115–$210/month in Miami-Dade) and Part D drug plans. Our agents are AHIP certified annually and re-run your prescriptions against every plan formulary during Annual Enrollment, October 15 – December 7.
Compare Medicare PlansSubsidy calculations for self-employed workers, restaurant and hospitality staff, and gig drivers across Miami-Dade. Most of our ACA clients qualify for premium tax credits, and KidCare enrollment help is $0 — we never charge a fee for subsidized marketplace applications.
Check My SubsidyMortgage protection with living benefits that accelerate a payout for terminal, chronic or critical illness, plus group health, dental, life and disability packages for Miami businesses with 5–50 employees. We also offer fixed indexed and MYGA annuities for retirement income planning.
See Business PlansIn this walkthrough, founder Carmen Delgado shows how identical coverage priced through three different carriers ranged from $41 to $96 per month for the same 42-year-old applicant. That gap is the single biggest reason to work with an independent insurance agency rather than a single-carrier agent. Learn more about our agency.
As of 2026, Miami-Dade shoppers have more insurance choices than ever — and more confusing marketing. Here is what makes Biscayne Bay Life & Health Insurance Group different from a captive agent or a national call center.
We have served the Miami community for over 14 years from our Little Havana main office at 2740 SW 8th Street and our Kendall satellite office at 8900 SW 117th Avenue. Founder Carmen Delgado brings 23 total years in the insurance industry, and all 8 agents hold active Florida licenses with annual continuing education and AHIP Medicare certification.
Our documented promise is a 24-hour response guarantee on every quote request and client question, with an average email and callback time under 4 business hours. During Medicare Annual Enrollment and ACA Open Enrollment we run evening video appointments Monday through Thursday until 8:00 PM, and our phone line stays open for 24/7 urgent claim support.
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Every consultation, quote and policy review is free — no fees, no obligation, no cost to the client. Agent commissions are paid by the insurance carrier, not by you. That is why we can present a Mutual of Omaha quote and a Transamerica quote side by side without steering you toward the higher commission product.
We back our work with a free annual policy review, a rate-shopping guarantee (if you find a lower rate for identical coverage, we match it or explain exactly why the difference exists), and full claims advocacy — our team makes the carrier calls and files the paperwork on behalf of your beneficiaries.
We are appointed with Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Oscar, Doctors' Health Plan and Simply Healthcare on the health and Medicare side, and with Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica, North American, Nationwide and Gerber Life for life insurance. No client is ever asked to commit during the first appointment — we educate first, recommend second. If you want to understand how underwriting actually works before you buy, read our guide on Medicare and coverage changes for 2026, or simply call +1-540-352-6249.
Most clients go from first phone call to an issued policy in 3 to 10 business days. Here is exactly what happens at each stage — no mystery, no surprise forms.
Call +1-540-352-6249 or submit the contact form and we will schedule a 20–30 minute consultation in English, Spanish or Haitian Creole. Bring your questions about budget, dependents, mortgage balance, employer benefits and any health history — nothing is sold on this call, and no medical exam is scheduled yet.
We calculate the right death benefit using income replacement, mortgage payoff, education costs and final expenses, then run your profile through 8+ carrier underwriting guides. You receive a written comparison showing monthly premiums, riders, living benefits and cash value projections so you can see the real long-term difference.
Choose the carrier and structure that fit your goals — many clients qualify for accelerated underwriting with no medical exam and a decision in 24–72 hours. We complete the application together, arrange any required paramedical exam at your home or office in Miami-Dade, and keep you updated until the policy is issued.
We deliver your policy, explain the free-look period, and set beneficiary designations correctly the first time. Every client gets a free annual policy review, and when a claim arises, our agency handles the carrier calls and paperwork on behalf of your beneficiaries — so your family never has to navigate a claims department alone.
This 6-minute educational walkthrough shows a real (anonymized) Miami-Dade case: a 38-year-old rideshare driver with no employer benefits, a $310,000 mortgage and two children. You will see the needs analysis math, the three carriers we compared, and why the final recommendation was a 20-year term policy with a child rider rather than an IUL.
These are real 2026 rate ranges we see from A-rated carriers for Miami-Dade applicants in average health. Adjust the fields for a ballpark monthly figure, then call +1-540-352-6249 for an exact quote — the only way to lock a rate is a completed application.
Estimates only. Final premiums depend on health history, nicotine use, family medical history and carrier underwriting. No fee, no obligation.
| Profile | Coverage | Typical Monthly Rate |
|---|---|---|
| Healthy 30-year-old | $250,000 / 20-yr term | $18 – $24 |
| Healthy 45-year-old | $500,000 / 20-yr term | $58 – $75 |
| Final expense, age 65 | $10,000 permanent | $42 – $68 |
| No-exam guaranteed issue | $15,000, ages 50–85 | $55 – $95 |
| Medicare Supplement Plan G | Age 67, Miami-Dade | $115 – $210 |
| ACA Marketplace after subsidy | Family of 4, mid-income | Often under $50 |
Our full services page breaks down each product line, and our agents will show you exactly where your profile lands. If a carrier declines your application, we do not stop there — we re-shop your case across our remaining appointments at no charge.
We meet clients at our Little Havana office at 2740 SW 8th Street, our Kendall office at 8900 SW 117th Avenue, at your home or workplace, or by video anywhere in Florida. Life insurance is licensed statewide; health and Medicare appointments are served in person across Miami-Dade, Broward and Monroe counties.
Serving ZIP codes including 33135, 33125, 33130, 33145, 33134, 33155, 33175, 33186, 33126, 33172, 33131, 33012, 33010, 33139, 33180 and more throughout Miami-Dade.
Don't see your area? We serve the entire region — call us at +1-540-352-6249 and we will confirm coverage in your neighborhood today.
We hold a 4.9-star Google rating across more than 300 reviews. These are recent, verified client experiences from Miami-Dade families and business owners.
"I had three agents quote me before Carmen. She was the only one who explained the difference between graded and immediate final expense benefits. We got my mother covered at $47 a month instead of the $89 another agent quoted — and the policy was issued in 4 days with no medical exam."
"As a 1099 contractor I had no benefits at all. They ran my numbers across four carriers and found a $500,000 20-year term policy for $63 a month. The whole thing — needs analysis, application, exam at my apartment — took 9 days. Very clear, zero pressure, and they answered every text."
"My husband passed in November and I dreaded the claims process. Their office called the carrier for me, filed everything, and the payout arrived in 11 days. They even handled the beneficiary paperwork I didn't understand. I cannot say enough about how they treated our family."
"We use them for our restaurant's group health plan and my personal Medicare supplement. During open enrollment they compared 6 Plan G options and saved me about $42 a month versus what I was paying. Bilingual service in Spanish made it easy for my parents too."
We are A+ accredited with the Better Business Bureau since 2015 and a member of the National Association of Benefits and Insurance Professionals (NABIP). Our reviews come from clients in Little Havana, Kendall, Hialeah, Coral Gables, Doral and Brickell — the same neighborhoods our agents live and work in. Read more on our about page or schedule a free policy review at our contact page.
Updated for 2026. These are the questions our Miami agents hear most often — answered honestly, with real numbers.
It depends on age, health and coverage amount. A healthy 30-year-old in Miami-Dade typically pays $18–$24 per month for $250,000 of 20-year term coverage, while a healthy 45-year-old pays about $58–$75 per month for $500,000. Final expense plans run $32–$95 per month depending on age and benefit amount.
Start with three checks: is the agent independent (appointed with multiple carriers), are consultations free with no client-paid fees, and will they explain underwriting before recommending a product? Ask for a side-by-side carrier comparison in writing. If an agent can only show you one company's rates, you are talking to a captive agent — not an independent insurance agent.
Not always. Many carriers now offer accelerated underwriting with no exam for applicants under 55 with clean health histories, producing a decision in 24–72 hours. If an exam is required, a paramedical professional comes to your Miami home or office at no cost to you. Clients with significant health history may qualify for simplified-issue or guaranteed-issue products instead.
No. Carriers pay agent commissions, not you. Your premium is the same whether you buy directly or through an agency — but an independent agency can show you 8+ carriers and find the lowest rate for your exact profile. We charge $0 for consultations, quotes, policy reviews and claims help.
No-exam cases are typically approved in 24–72 hours and issued within 3–7 business days. Cases requiring a medical exam or medical records usually take 2–4 weeks. We track every application and give you status updates, and our documented response guarantee is 24 hours on any question.
Yes. We are AHIP Medicare and Fraud, Waste & Abuse certified annually and CMS-compliant. We compare Medicare Advantage (Part C), Medicare Supplement Plan G — typically $115–$210 per month in Miami-Dade — and Part D drug plans, checking every one of your prescriptions against each formulary. Many Advantage plans are available at $0 monthly premium.
This is one of our most common Miami client profiles — gig drivers, restaurant staff, salon professionals, contractors and small business owners. You can combine an ACA Marketplace health plan (most Miami-Dade households qualify for premium tax credits, with many paying under $50/month) with a term life policy for income replacement, and add disability income insurance if you have no paid sick leave.
Never. Consultations, quotes, annual policy reviews and claims assistance are 100% free with no obligation. We also review policies you bought elsewhere at no charge — including whole life and IUL contracts — and tell you plainly if you already have good coverage.
In most cases, yes. We specialize in approvals for clients with diabetes, high blood pressure, COPD and prior cardiac events. Guaranteed issue life insurance is available ages 50–85 with no health questions, and final expense coverage is designed specifically for ages 45–85 with simplified underwriting. We will tell you upfront which carriers are realistic before you apply.
Yes. Claims advocacy is included with every policy we place. Our agency makes the carrier calls, gathers death certificates and medical documentation, and files the paperwork on behalf of your beneficiaries. We do not hand your family a phone number and walk away — recent client claims have been paid within 11 days of filing.
Life insurance is licensed statewide — we serve clients anywhere in Florida by video or phone. Health, Medicare and group benefits appointments are handled in person or by video across Miami-Dade, plus Broward (Hollywood, Pembroke Pines, Miramar, Fort Lauderdale) and Monroe County (Key Largo, Islamorada).
Our 8 licensed agents and 3 support staff provide full service in English, Spanish and Haitian Creole. All documents, Medicare workshops and policy explanations are available in Spanish, and our Little Havana office hosts a free bilingual Medicare workshop on the first Wednesday of every month.
One 20-minute conversation is usually enough to know whether you are overpaying or underinsured. No pressure, no commitment, and no cost — ever. Evening video appointments available during Medicare and ACA Open Enrollment.
Biscayne Bay Life & Health Insurance Group
Little Havana: 2740 SW 8th Street, Suite 210, Miami, FL 33135
Kendall: 8900 SW 117th Avenue, Suite 305, Miami, FL 33186
Email: info@biscaynebaylifehealth.com · Available 24/7 for urgent claims