Founded in 2011, Biscayne Bay Life & Health Insurance Group is an A+ Better Business Bureau accredited insurance agency serving more than 2,000 Miami-Dade families with bilingual (English, Spanish and Haitian Creole) guidance. Founder Carmen Delgado brings 23 years in the insurance industry and holds Florida licenses 2-15 (Life, Health & Annuity) and 2-40 (Health), plus annual AHIP Medicare certification.
Biscayne Bay Life & Health Insurance Group is an independent insurance agency, which means we are contracted with 18+ carriers instead of one. Our licensed agents compare term life, whole life, final expense, Medicare Advantage, Medigap, ACA Marketplace and small-group benefits side by side, then build a professional solution around your budget, your family and your health history. Every consultation is 100% free, every quote is written in plain English (or Spanish), and no client is ever asked to commit during the first appointment. That is the practical difference in the professional independent insurance agent vs captive agent comparison Miami families ask us about every single week.
Coverage from $50,000 to $2,000,000, priced against Mutual of Omaha, Foresters, Americo, John Hancock, Transamerica and North American in one sitting. A healthy 30-year-old in Miami typically qualifies for $250,000 / 20-year term from roughly $18–$24 per month. Underwriting help included.
Get Your Free QuotePermanent coverage with cash value accumulation, fixed premiums and living-benefit riders for critical, chronic or terminal illness. Ideal for Miami small business owners and self-employed 1099 contractors who want tax-advantaged growth plus a guaranteed death benefit for their family.
Get Your Free QuoteSimplified and guaranteed-issue burial policies from $5,000 to $25,000, typically $32–$95 per month depending on age and amount. No medical exam options are available ages 45–85, including guaranteed issue with no health questions for clients with diabetes, COPD or prior heart conditions.
Get Your Free QuoteKeeps the mortgage on your Little Havana, Kendall or Doral home paid if you pass away — and can advance part of the benefit if you are diagnosed with a qualifying critical illness. We match coverage to your remaining loan balance and term, so you never overpay for protection you don't need.
Get Your Free QuoteAHIP-certified and CMS-compliant guidance across Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Simply Healthcare and Doctor's Health Plan. Many Medicare Advantage plans in Miami-Dade carry a $0 monthly premium; Medigap Plan G typically runs $115–$210 per month depending on age.
Get Your Free QuoteSubsidy calculations for Obamacare plans, Florida KidCare enrollment help and employee benefits for Miami businesses with 5–50 employees (Ambetter, Molina, Oscar, Aetna, Cigna). Most Miami-Dade households qualify for premium tax credits and many pay under $50 per month after subsidies.
Get Your Free QuoteWhen people ask us to explain the professional independent insurance agent vs captive agent difference, we answer with numbers: an independent agent can quote 18 carriers in one appointment, while a captive agent can only present the products their employer owns. That is why 2,000+ South Florida households have trusted our team since 2011 — and why our clients stay an average of 9 years.
Fourteen years in Miami-Dade means we know how Florida Blue, Humana and Ambetter rate risks in Hialeah versus Coral Gables, and which life carriers underwrite well for clients with treated hypertension or Type 2 diabetes. Two offices — Little Havana and Kendall — plus statewide virtual appointments.
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Our documented 24-hour response guarantee on every quote request and client question; most calls and texts are answered in under 45 minutes during business hours. Mon–Thu evening video appointments are available until 8:00 PM during Medicare Annual Enrollment (Oct 15 – Dec 7) and ACA Open Enrollment.
Consultations, quotes and annual policy reviews are 100% free — no fees, no obligation. Agent commissions are paid by the insurance carrier, never by you. If you find a lower rate for identical coverage, we will match it or explain precisely why the difference exists.
No-pressure consultations, a free annual policy review for life, and full claims advocacy: our team calls the carrier, files the paperwork and follows up on behalf of beneficiaries so grieving families never have to chase a claim alone. Fully licensed, A+ BBB accredited since 2015.
Read more on our about page or browse the full services page to see every product line we place. Prefer to talk it through first? Call +1-540-352-6249 — bilingual support in English, Spanish and Haitian Creole.
Four clear steps, no sales pressure, and a written comparison in your hands before you decide anything. Most Miami clients complete the entire process — quote, application and approval — in 3 to 10 business days.
Call +1-540-352-6249, submit the form below, or email info@biscaynebaylifehealth.com. We confirm your appointment within 24 hours and ask for your ZIP code, household size, current coverage and budget so the first call is productive, not generic.
A licensed agent — not a call center — reviews your current policies line by line, checks for gaps, duplicate coverage and expired beneficiaries, and runs a subsidy or underwriting pre-screen. This 45-minute assessment is free even if you never buy anything.
You receive a side-by-side written comparison of up to 18 carriers with real monthly premiums, not estimates. We explain why the recommendation fits, what it excludes, and what a captive agent's single-carrier option would cost you in the same scenario.
We submit the application, track underwriting, confirm your policy is issued and delivered, then set a free annual policy review. If you ever need a claim, our team handles the carrier calls and paperwork on your behalf — that is the quality result our clients stay for.
Captive agents can show you one carrier. We quote up to 18. Below are real starting rates our Miami clients received in 2026 after comparing carriers through our independent agency — not teaser prices from a single company.
| Coverage Type | Typical Miami-Dade Rate |
|---|---|
| 20-Year Term Life — $250,000, age 30 | $18–$24 / month |
| 20-Year Term Life — $500,000, age 45 | $58–$75 / month |
| Final Expense / Burial — $5,000–$25,000 | $32–$95 / month |
| Medicare Advantage (Part C) | $0 premium on many plans |
| Medicare Supplement Plan G | $115–$210 / month |
| ACA Marketplace after subsidies | Often under $50 / month |
No-cost guarantee: our consultations and quotes are always free, and agent commissions are paid by the carrier — never by you. Prefer to speak with a licensed agent right now? Call +1-540-352-6249. We answer 24/7 and respond to every quote request within 24 hours.
Rates shown are real 2026 Miami-Dade examples and vary by age, health history, tobacco use and carrier underwriting. A personalized quote takes about 6 minutes.
Prefer a human? Call +1-540-352-6249 or visit our contact page to book a Little Havana or Kendall appointment.
Our licensed agents meet clients in person across Miami-Dade and Broward, and by video anywhere in Florida for life insurance. Below are the communities we serve most often — with local ZIP codes for reference.
We also serve Broward County (Hollywood, Pembroke Pines, Miramar, Fort Lauderdale) and Monroe County (Key Largo, Islamorada), and we are licensed statewide for life insurance across all of Florida. Don't see your area? We serve the entire region — call +1-540-352-6249.
Verified reviews from clients who compared an independent insurance agent against a captive agent — and chose the agency that could actually shop their options. 4.9 / 5 average across 300+ Google reviews.
"My captive agent quoted $118 a month for $300,000 of term. Carmen shopped six carriers and got me $500,000 with living benefits for $71 a month — a savings of $564 a year. She explained every exclusion before I signed anything."
"I turned 65 in January and had no idea how Medicare worked. The team ran my prescriptions through three Part D plans, found a $0-premium Advantage plan with my cardiologist in network, and responded in 30 minutes every time I called. No pressure to commit on the first visit."
"As a 1099 rideshare driver I had zero benefits. They enrolled me in an ACA plan with a subsidy — I pay $41 a month instead of the $310 I was quoted elsewhere — and finished the entire application in 2 days. Spanish-speaking service made it easy for my mom too."
"When my father passed in 2025, I called Biscayne Bay instead of the carrier. Their team filed the claim, handled every follow-up call and the $15,000 final expense benefit was paid in 11 days. That support alone was worth being with an independent agency."
Straight answers to the questions Miami clients ask us most in 2026 — pricing, timelines, credentials, guarantees and how independent agents compare to captive agents.
Compare an independent agent against a captive agent in one 45-minute appointment and see the difference in writing. No fees, no pressure, no obligation — just 18+ carriers working for you. Evening and Saturday appointments available across Miami-Dade.
📞 Call Now: +1-540-352-6249Biscayne 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 · info@biscaynebaylifehealth.com