No fees. No pressure. No obligation. Carmen Delgado, Licensed Life & Health Agent, and her team of 8 licensed agents have protected more than 2,000 South Florida families — from Little Havana to Kendall, Hialeah to Aventura.
As an independent insurance agency, we are not limited to a single brand. That means a Miami family with a 30-year-old gig driver, a 52-year-old restaurant owner and a 67-year-old retiree can all be served under one roof — life insurance, Medicare, ACA Marketplace health plans, final expense coverage and small group benefits. Every quote is free, every comparison is side by side, and every recommendation is explained in plain language before you sign anything.
Coverage from $50,000 to $2,000,000 with level premiums that never increase during the term. Ideal for new parents, mortgage holders and 1099 contractors in Miami with no employer benefits. We shop Mutual of Omaha, Americo, Transamerica, John Hancock and North American simultaneously.
From ≈ $18–$24/mo for healthy 30-year-olds 📞 +1-540-352-6249Permanent coverage with tax-deferred cash value accumulation that you can borrow against for a down payment, college tuition or retirement income. We model three carrier illustrations side by side so you can see guaranteed versus projected values before committing.
Cash value growth · Fixed premiums 📞 +1-540-352-6249Coverage of $5,000 to $25,000 designed to pay funeral costs, cremation, outstanding medical bills and small debts. No-medical-exam and guaranteed-issue options are available for Miami clients with diabetes, COPD or prior heart conditions. Most policies are approved in 24 to 72 hours.
Typically $32–$95 per month 📞 +1-540-352-6249Protects your Miami-Dade home by paying the mortgage if you pass away, and advances part of the death benefit if you are diagnosed with a qualifying critical, chronic or terminal illness. A practical safety net for dual-income households in Kendall, Doral and Westchester.
Living benefits riders included 📞 +1-540-352-6249AHIP-certified and CMS-compliant guidance at age 65. We compare Medicare Advantage (Part C), Medicare Supplement Plan G and standalone Part D drug plans across Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Simply and Doctor's Health Plan. Many Miami Advantage plans carry a $0 monthly premium.
Plan G typically $115–$210/mo in Miami-Dade 📞 +1-540-352-6249Self-employed workers, salon and restaurant staff, and gig drivers in Miami often qualify for premium tax credits that bring a Marketplace plan under $50 per month. We also help enroll children in Florida KidCare and verify subsidy eligibility at no cost to you — enrollment help is always $0.
Many households pay under $50/month after subsidies 📞 +1-540-352-6249We also place Guaranteed Issue Life Insurance (ages 50–85, no health questions), Fixed Indexed and Multi-Year Guaranteed Annuities (MYGA), Disability Income Insurance, and Small Group Employee Benefits for 5–50 employees. Explore our full services page or book a free appointment.
A captive agent can only sell one brand. We are appointed with more than 20 carriers — Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica, North American, Nationwide, Gerber Life, Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Oscar, Doctors Health Plan and Simply Healthcare. That independence is exactly what the local best life insurance agent near me should offer: options, not a script.
Founded in 2011 by Carmen Delgado — who has 23 total years in the insurance industry — our agency holds Florida License 2-15 (Life, Health & Annuity), Florida License 2-40, annual AHIP Medicare certification, and CMS-compliant marketing credentials. We are proud members of NABIP and maintain a 4.9-star Google rating across 300+ reviews.
Serving the Miami community for over 14 years from Little Havana and Kendall. We know how Florida underwriting treats hurricane-zone properties, how Miami-Dade subsidy tables work, and which carriers move fastest in South Florida.
Our average response time to a new quote request is under 2 business hours, with a written 24-hour response guarantee on every question. Evening video appointments run Monday–Thursday until 8:00 PM during Medicare and ACA enrollment windows.
Interested in learning more? Submit the form below.
Consultations, quotes and comparisons are completely free. Agent commissions are paid by the carrier, never by you. You get upfront numbers, no hidden fees, and no obligation to commit during your first appointment — ever.
Free annual policy reviews for every client, including policies you did not buy through us. If we cannot improve your coverage or your rate, we will tell you so — and we will handle your beneficiary updates at no charge.
These are representative starting rates our Miami clients received in 2026. Actual pricing depends on age, health history, tobacco use and coverage amount — which is exactly why we shop multiple carriers instead of quoting you a single number.
| Coverage Type | Typical Client Profile | Estimated Monthly Premium |
|---|---|---|
| 20-Year Term Life — $250,000 | Healthy 30-year-old, non-smoker, Miami | $18 – $24 |
| 20-Year Term Life — $500,000 | Healthy 45-year-old, non-smoker, Kendall | $58 – $75 |
| Final Expense / Burial | Ages 45–85, $5,000–$25,000 coverage | $32 – $95 |
| Medicare Advantage (Part C) | Age 65+, Miami-Dade ZIP codes | $0 on many plans |
| Medicare Supplement Plan G | Age 65–75, varies by carrier and age | $115 – $210 |
| ACA Marketplace Health Plan | Self-employed / 1099 workers with subsidies | Often under $50 |
Prefer to talk it through? Call +1-540-352-6249 — bilingual agents answer Monday–Friday 8:30 AM–6:30 PM, Saturday 9:00 AM–2:00 PM.
We believe you should understand how underwriting, subsidies and Medicare rules actually work before anyone recommends a product. Here are the four steps our Miami clients go through — most take less than two weeks from first call to policy in hand.
Call +1-540-352-6249 or submit the form. Tell us your age, county, budget and what you want the coverage to accomplish. We respond within 24 hours, usually within 2 business hours, and we never ask for payment or a commitment at this stage.
We calculate how much coverage actually fits your income, mortgage, dependents and existing employer benefits. Bring any current policy — even one you bought elsewhere — and we will review it at no charge, checking for gaps, overpricing and outdated beneficiaries.
You receive 3 to 5 written illustrations from different A-rated carriers: Mutual of Omaha, Foresters, Americo, John Hancock, Transamerica, Florida Blue, UnitedHealthcare, Humana and others. We explain the differences in plain language — including exclusions, waiting periods and riders — so the choice is genuinely yours.
We handle the application, medical questionnaire, scheduling and carrier follow-up. Policies typically issue in 2 to 4 weeks (24 to 72 hours for accelerated products). Then, every year, we run a free policy review to confirm your coverage still matches your life — at no cost, forever.
Ready to begin step one? Learn more about our team on the about page or book an appointment in Little Havana or Kendall.
Our insurance agency meets clients in person across Miami-Dade County, by video anywhere in Florida for life insurance, and by phone statewide. Zip codes served include 33135, 33186, 33125, 33012, 33134, 33131, 33137, 33139, 33176, 33175, 33015, 33156, 33130 and 33033.
Don't see your area? We serve the entire region — call +1-540-352-6249 and we'll confirm coverage for your ZIP code. Life insurance is licensed and available statewide across all of Florida.
Real feedback from South Florida families, retirees, self-employed workers and small business owners we have served since 2011.
"I called three agencies looking for the local best life insurance agent near me and Carmen was the only one who explained underwriting instead of just quoting a price. She got me $500,000 of 20-year term and I'm paying $63 a month — about $31 less than the first quote I received. Everything was finished in 9 days."
"My mother turned 65 in January and we were completely lost on Medicare. They walked us through Advantage versus Medigap in Spanish, and she ended up on a $0-premium plan that covers her cardiologist. The whole appointment lasted 40 minutes and cost us nothing."
"I'm a 1099 rideshare driver with no benefits at all. They found me an ACA plan where I pay $41 a month after subsidies, plus a $250,000 term policy. They answered my text on a Saturday morning in under 30 minutes. That response time is why I've referred four friends."
"We run a 22-employee restaurant in Little Havana. The team set up group benefits and reviewed every employee's individual life policy for free. When our head chef passed away in 2025, they handled the carrier calls and paperwork for his widow. That is claims support you actually feel."
More than 2,000 families protected and a 4.9-star average across 300+ reviews. See additional feedback on our about page.
Straight answers to the questions our Miami clients ask most — written by licensed agents, not a marketing team.
For a healthy 30-year-old Miami resident, $250,000 of 20-year term coverage typically runs about $18 to $24 per month. A healthy 45-year-old can expect roughly $58 to $75 per month for $500,000 of 20-year term. Final expense policies for ages 45 to 85 generally range from $32 to $95 monthly. Rates depend on age, health history, tobacco use and coverage amount — we confirm your exact number in writing after a free consultation.
Never. Every consultation, quote, carrier comparison and annual policy review is 100% free with no obligation. Our agents are compensated by the insurance carrier, not by you, so our advice costs you nothing — and you are never asked to commit during a first appointment.
Fully underwritten policies usually issue in 2 to 4 weeks from application. Accelerated and no-medical-exam products — including many final expense and guaranteed issue plans — can issue in as little as 24 to 72 hours. We respond to every new quote request within 24 hours, and typically within 2 to 4 business hours.
Fully independent. We are appointed with more than 20 carriers, including Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica, North American, Nationwide, Gerber Life, Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Oscar Health, Doctors Health Plan and Simply Healthcare. That means we compare options side by side instead of steering you toward one brand.
Yes. Our team is AHIP certified annually and CMS compliant, and we help Miami-Dade clients compare Medicare Advantage (Part C), Medicare Supplement (Medigap) and Part D prescription drug plans. Many Medicare Advantage plans in Miami are available at a $0 monthly premium. We host a free bilingual Medicare workshop at our Little Havana office on the first Wednesday of each month.
Sí — and wi pale Kreyòl tou. Our agency includes 8 licensed agents and 3 bilingual support staff fluent in English, Spanish and Haitian Creole. All documents, illustrations and Medicare materials can be explained in your preferred language, and phone support is available in all three.
You still have options. Many carriers offer simplified-issue and guaranteed-issue products for ages 50 to 85 with no health questions at all. For clients with well-managed diabetes or hypertension, we often still secure fully underwritten coverage at standard rates — we simply submit to the carriers most likely to approve your specific profile.
Absolutely, and it is free. Bring your current policy documents and we will review the death benefit, premium, riders, cash value, exclusions and beneficiary designations. Our 2025–2026 reviews uncovered an average annual overpayment of roughly $400 to $600 for clients who were paying for coverage that no longer matched their needs.
Yes. Most Miami-Dade households qualify for premium tax credits, and many end up paying under $50 per month after subsidies. We handle enrollment, income verification, and Florida KidCare applications at $0 cost to you. ACA Open Enrollment runs November 1 through January 15 each year, and we offer evening video appointments through the entire window.
We advocate on your behalf. Our agency makes the carrier calls, submits the paperwork, follows up on status and works directly with beneficiaries during an already difficult time. That claims support is included with every policy we place, at no additional charge — it is one of the reasons clients call us the local best life insurance agent near me in Miami.
Yes — for groups of 5 to 50 employees. We build packages that combine group health, group life, dental, vision and disability coverage, then coordinate individual policy reviews for key employees. Restaurant, hospitality, salon, construction and professional-services businesses across Miami-Dade are our most common group clients.
Our main office is at 2740 SW 8th Street, Suite 210, Miami, FL 33135 (Little Havana), with a satellite office at 8900 SW 117th Avenue, Suite 305, Miami, FL 33186 (Kendall). We are open Monday–Friday 8:30 AM–6:30 PM and Saturday 9:00 AM–2:00 PM by appointment. Evening video appointments are available Monday–Thursday until 8:00 PM. Call +1-540-352-6249 to schedule.
We back it with a rate-shopping guarantee. If you find a lower rate for identical coverage from an A-rated carrier, we will match it or explain precisely why the difference exists — for example, a different underwriting class, a graded death benefit, or a shorter guarantee period. Our average client sees a spread of $25 to $60 per month between the highest and lowest carrier quote for the same coverage.