Florida License 2-15 · A+ BBB Accredited since 2015 · 24-hour response guarantee on every quote request.
Biscayne Bay Life & Health Insurance Group is an independent insurance agency — not a single-carrier call center. That means we can build a professional solution around your actual budget, health history and family situation instead of fitting you into one product. Founder Carmen Delgado has spent 23 years in the insurance industry, and our 8 licensed agents hold active Florida 2-15 and 2-40 appointments plus annual AHIP Medicare certification. Every consultation is free, every quote is side-by-side, and no client is ever asked to commit during the first appointment.
10, 15, 20 and 30-year level term coverage from $50,000 to $2,000,000. Ideal for new parents in Kendall, Doral and Westchester who want maximum protection at the lowest monthly cost. Accelerated underwriting options can be approved in 24–72 hours with no medical exam.
Get Free QuotePermanent coverage that builds tax-deferred cash value and never expires. We compare illustrated projections from Mutual of Omaha, Foresters Financial, Americo, John Hancock and North American so you can see real numbers — not a glossy brochure — before you decide.
Get Free QuoteCoverage from $5,000 to $25,000 designed to pay funeral costs, medical bills and small debts. Typical premiums run $32–$95 per month. For ages 50–85, guaranteed issue whole life requires no health questions and no medical exam whatsoever.
Get Free QuoteAHIP-certified and CMS-compliant guidance for Medicare Advantage (Part C), Medicare Supplement (Medigap) and Part D drug plans. Many Miami-Dade Advantage plans carry a $0 monthly premium; Plan G rates typically range $115–$210 per month depending on age.
Get Free QuoteFree enrollment assistance for Obamacare/Marketplace plans with Ambetter, Molina, Oscar Health, Simply Healthcare and Florida Blue. Most Miami-Dade households qualify for premium tax credits — many pay under $50 per month after subsidies. KidCare enrollment help is always $0 cost.
Get Free QuoteRestaurants, salons, construction firms and professional offices across Miami-Dade trust us for group health, dental, vision, disability and voluntary life benefits. We handle carrier proposals, employee enrollment meetings in English or Spanish, and renewals every year.
Get Free QuotePlenty of websites sell insurance. Far fewer explain it. Our agency was built on an education-first promise: we teach you how Medicare enrollment windows, ACA subsidies and life insurance underwriting actually work — then you decide. No fear-based scripts, no pressure, and no client is ever asked to sign during the first appointment.
14+ years serving the Miami community from two offices — Little Havana and Kendall. We know which carriers actually pay claims quickly in Florida, which Medicare Advantage networks include Jackson Health and Baptist, and which hospitalization plans enroll without a Miami-Dade address issue.
Our published guarantee is a response within 24 hours on every quote request — and during business hours most Miami clients hear back in under 45 minutes. Bilingual phone support in English, Spanish and Haitian Creole is available 24/7, including evening video appointments until 8:00 PM Monday–Thursday.
Consultations, quotes and annual policy reviews cost you $0. Agent commissions are paid by the insurance carrier, never the client. We also offer a rate-shopping guarantee: find an identical policy at a lower rate and we will match it or explain exactly why the difference exists.
Interested in learning more? Submit the form below.
Every client receives a free annual policy review and full claims advocacy — we handle carrier calls, death certificates and paperwork on behalf of beneficiaries at no charge. Our agency has held A+ BBB accreditation since 2015 and every agent carries an active Florida license.
From your first call to your first claim, everything is handled locally in Miami by the same licensed agent — no call centers, no transferred files, no repeat explanations. Most clients complete the entire process in 3 to 10 days.
Call +1-540-352-6249 or submit the quote form. Tell us your age, ZIP code, household size and what you want to protect. We confirm your appointment within 24 hours — usually within 45 minutes during business hours.
A 30–45 minute conversation, in person or by video, in English, Spanish or Haitian Creole. Bring any existing policies — including ones you didn't buy from us — and we will review them line by line to find gaps, duplicate coverage or overpayments at no cost.
We shop 18+ carriers — Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Mutual of Omaha, Foresters, Americo and more — and present real quoted numbers in writing. You see the premium, the benefit, the exclusion and the difference before you choose anything.
We complete the application, schedule any required exam, and confirm your policy documents arrive. After that, we stay your point of contact: annual reviews, beneficiary updates, and full claim support for your family when it matters most.
Two physical offices and mobile appointments across South Florida. Life insurance is licensed statewide — if you live anywhere in Florida, we can write your policy by phone or video.
Also serving Palmetto Bay, Palmetto Estates, South Miami, Wynwood, Miami Gardens, Sunny Isles and Key Biscayne — plus Broward County (Hollywood, Pembroke Pines, Miramar, Fort Lauderdale) and Monroe County (Key Largo, Islamorada).
Common ZIP codes we work in daily: 33135, 33186, 33125, 33134, 33178, 33131, 33137, 33180, 33139, 33032.
Don't see your area? We serve the entire region — call us at +1-540-352-6249 and we'll confirm coverage in under two minutes.
Aggregated from 300+ Google reviews and post-enrollment surveys. Every review below reflects a real client in Miami-Dade County. Read more local life insurance agent reviews on our about page.
"I turned 65 in March and had no idea where to start with Medicare. Carmen sat with me for an hour and a half at the Little Havana office, in Spanish, and explained Medigap versus Advantage without rushing me once. I ended up on a Plan G for $148 a month instead of the $210 plan another agent quoted me. My cardiologist at Baptist is still in network."
"My father passed in November and I was terrified of the paperwork. The agency handled everything — they called the carrier, submitted the death certificate, and followed up weekly. The $15,000 final expense policy paid out in 19 days. I never had to make a single call myself. That's what I didn't expect from an insurance agent."
"We had our first baby in 2025 and needed term life fast. I called on a Tuesday morning and had a written comparison of four carriers by that afternoon — they responded in about 40 minutes. We got $500,000 each on 20-year term for $61 a month combined. No medical exam, approved in three days."
"I drive for a rideshare company, so no employer benefits at all. They built me a package with an ACA Marketplace plan, short-term disability, and $250,000 of term life. After the subsidy my health premium dropped to $47 a month. They also helped four of my coworkers enroll — the referral gift cards were a nice touch."
Still have a question? Call +1-540-352-6249 — bilingual phone support is available 24/7, and we answer every quote request within one business day.
Fill out the form below and a licensed Florida agent will contact you within 24 hours with side-by-side carrier options. Prefer to talk right now? Call +1-540-352-6249 — we're available 24/7.
Medicare Annual Enrollment runs October 15 – December 7, and ACA Open Enrollment runs November 1 – January 15. Life insurance has no deadline — but your rate is locked at today's age and health. Speak with a licensed Miami agent now and see your real numbers in writing, free of charge.
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