Free, no-obligation quotes · No pressure first appointment · 24-hour response guarantee on every request. Serving Miami-Dade, Broward and Monroe County.
A+ Better Business Bureau accredited since 2015 · NABIP member · AHIP Medicare certified annually · More than 2,000 South Florida families currently covered through our agency.
Biscayne Bay Life & Health Insurance Group is an independent insurance agency, which means we are not tied to a single carrier. Our licensed agents compare plans from Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Mutual of Omaha, Foresters, Transamerica and more — then recommend the coverage that actually fits your health, your budget and your family. Whether you need term life protection as a new parent, Medicare guidance at 65, or ACA Marketplace coverage as a self-employed driver, our team delivers top rated life and health insurance agents services with education first and zero pressure. Every consultation, quote and annual review is free. Call +1-540-352-6249 to get started today.
Coverage from $50,000 to $2,000,000 with level premiums that never increase during your term. A healthy 30-year-old Miami resident can secure $250,000 of 20-year term coverage for roughly $18–$24 per month; a healthy 45-year-old can get $500,000 for about $58–$75 per month. We shop 8 life carriers in one sitting so you see real numbers side by side.
Questions? Call +1-540-352-6249
Get My Term Life QuotePermanent coverage that never expires, plus tax-advantaged cash value you can borrow against later. Popular with Miami small business owners and restaurant owners who want lifelong protection and a supplemental retirement asset. We illustrate guaranteed versus projected values so you understand exactly what you are buying before you sign.
Speak with an agent: +1-540-352-6249
Compare Permanent PlansSmall-face-value policies from $5,000 to $25,000 designed to cover funeral costs, medical bills and small debts so your family is never burdened. No medical exam options available, and guaranteed issue coverage for ages 50–85 with no health questions at all. Approval is often same-day with coverage effective immediately.
Call for same-day approval: +1-540-352-6249
Check My EligibilityWe compare Medicare Advantage (Part C) plans from Humana, UnitedHealthcare, Florida Blue, Aetna and Simply, plus Medigap Plan G rates that typically run $115–$210 per month in Miami-Dade. We also handle standalone Part D prescription drug plans and verify your doctors and medications before you enroll. AHIP-certified and CMS-compliant every year.
Medicare help line: +1-540-352-6249
Compare Medicare PlansMost Miami-Dade households qualify for premium tax credits that dramatically lower the cost of ACA Marketplace coverage. We calculate your subsidy, compare metal tiers, verify that your doctors and prescriptions are covered, and assist with Florida KidCare enrollment at no cost. Especially valuable for self-employed workers, 1099 contractors and gig drivers with no employer benefits.
Enrollment support: +1-540-352-6249
See My SubsidyGroup health, dental, vision, life and disability packages built for Miami businesses with 5 to 50 employees, plus employer tax credit guidance. We also offer Fixed Indexed Annuities and Multi-Year Guaranteed Annuities (MYGA) for clients seeking predictable retirement income, and Disability Income Insurance to protect your paycheck if you cannot work.
Interested in learning more? Submit the form below.
Business line: +1-540-352-6249
Request Group Benefits QuotePrefer to explore options on your own first? See our full services page or learn more about our agency.
Since 2011, Biscayne Bay Life & Health Insurance Group has served more than 5,000 clients across Miami-Dade County. Founder Carmen Delgado brings 23 years in the insurance industry and leads a team of 8 licensed agents and 3 bilingual support staff. We are an independent agency, which means we answer to you — not to a single insurance company. That independence is why clients describe our work as the top rated life and health insurance agents services in Miami.
Serving the Miami community for over a decade from Little Havana and Kendall. We know which carriers move fastest in Florida underwriting, which Medicare Advantage networks include Baptist Health and Jackson Health doctors, and how Miami-Dade subsidy calculations actually play out for 1099 workers.
Average callback under 2 business hours and a written 24-hour response guarantee on every quote request or client question. During Medicare Annual Enrollment (Oct 15 – Dec 7) and ACA Open Enrollment (Nov 1 – Jan 15), we keep evening video appointments open Monday–Thursday until 8:00 PM.
Upfront quotes with no hidden fees, ever. Consultations and policy reviews are $0, and our commissions are paid by the insurance carrier — never by you. Our rate-shopping guarantee means if you find a lower rate for identical coverage, we match it or explain precisely why the difference exists.
Free annual policy reviews for life, no-pressure first appointments, and full claims advocacy where our agency handles carrier calls and paperwork on your behalf. Fully licensed through the Florida Department of Financial Services and A+ BBB accredited since 2015.
No jargon, no pressure, no surprise costs. Here is exactly what happens from the moment you call +1-540-352-6249 to the day your coverage is active — and every year after that.
Call, text or submit the form and a licensed agent responds within 24 hours — usually the same business day. We confirm whether your need is life, Medicare, ACA Marketplace or group benefits, and schedule an in-person appointment at Little Havana or Kendall, or a video call anywhere in Florida.
We review your health history, budget, dependents, doctors and prescriptions — then explain in plain English how underwriting, Medicare networks and ACA subsidies actually work. You leave this step with real numbers from multiple carriers and zero obligation to enroll.
We match you with the strongest carrier for your situation among our 10+ appointments. Applications are completed electronically, and we follow underwriting daily. No-exam life policies can issue in 24–72 hours; final expense often approves same-day; fully underwritten term averages 2–5 weeks.
Your policy arrives with a plain-language summary, and we schedule a free annual review to confirm your coverage still fits. If a claim is ever filed, our agency handles the carrier calls and paperwork on your behalf — at no charge to you or your beneficiaries.
| Coverage Type | Typical Monthly Cost in Miami-Dade | Notes |
|---|---|---|
| Term Life — $250,000 / 20-year (age 30, healthy) | $18 – $24 | Level premiums, no medical exam options |
| Term Life — $500,000 / 20-year (age 45, healthy) | $58 – $75 | Ideal for new parents and mortgage protection |
| Final Expense / Burial ($5,000 – $25,000) | $32 – $95 | Ages 45–85, guaranteed issue available |
| Medicare Advantage (Part C) | $0 on many plans | Copays vary by plan and county |
| Medicare Supplement Plan G | $115 – $210 | Age-rated, nationwide provider access |
| ACA Marketplace after premium tax credits | Often under $50 | Most Miami-Dade households qualify |
Rates shown are illustrative 2026 ranges for Miami-Dade County and vary by age, health, tobacco use and carrier. Your exact quote is free — call +1-540-352-6249 and we will run it live.
Our agents meet clients at our Little Havana main office, our Kendall satellite office, or by video appointment anywhere in Florida. Life insurance is licensed statewide, so distance is never a barrier.
Don't see your area? We serve the entire South Florida region and write Florida life policies statewide — call us at +1-540-352-6249 and we will confirm coverage for your ZIP code in minutes.
A 4.9-star average across 312 Google reviews. Below are recent, verified experiences from clients across Miami-Dade County.
"I'm a 1099 rideshare driver with no benefits at all. Carmen walked me through ACA subsidies on a Saturday morning and found me a Marketplace plan that costs me $41 a month instead of the $310 I was quoted online. She also set up a $300,000 term life policy for $26 a month so my two kids are protected. Everything was explained in Spanish and English."Yordi M.
"My mother turned 65 and we were completely lost on Medicare. They compared four Advantage plans and a Plan G, verified that her cardiologist at Baptist Health was in-network, and confirmed all seven of her prescriptions were covered. We saved about $1,400 a year compared to the first plan we almost signed up for. The whole appointment took 45 minutes."Marisol R.
"I run a 14-person restaurant in Little Havana. They built a group health and life package our staff actually uses, and handled all the carrier paperwork themselves. When one of my cooks passed away unexpectedly, their team filed the life claim for the family and followed up weekly until it paid. That is not normal service — that is real advocacy."Odalys P.
"I called on a Tuesday at 9 AM asking about final expense insurance for my father. They quoted three carriers, we chose one with no medical exam, and the policy was approved the same afternoon. Premium came in at $47 a month for $12,000 of coverage. They also reviewed a life policy I'd bought elsewhere in 2016 and updated the beneficiary for free."Jean-Robert C.
Updated for 2026. If your question is not here, call +1-540-352-6249 — a licensed agent answers, not a call center.
A healthy 30-year-old Miami resident typically pays $18–$24 per month for $250,000 of 20-year term coverage. A healthy 45-year-old pays roughly $58–$75 per month for $500,000 of 20-year term. Final expense policies for ages 45 to 85 generally range from $32 to $95 per month. We quote 8 life carriers side by side at no cost, so you can compare real numbers instead of estimates.
Never. Consultations, quotes, policy comparisons and annual reviews are 100% free with no obligation. Our agents are compensated by the insurance carriers, not by you, which means your premium is identical whether you enroll through our agency or directly with the carrier — except you get an advocate on your side.
It depends on the product. Final expense and guaranteed issue policies are frequently approved the same day. No-exam accelerated underwriting life policies usually issue in 24 to 72 hours. Fully underwritten term life takes 2 to 5 weeks. ACA Marketplace plans enrolled during Open Enrollment start the first of the following month.
Not always. We represent carriers offering no-exam accelerated underwriting up to $1,000,000 for qualified applicants, and guaranteed issue final expense coverage for ages 50 to 85 with no health questions whatsoever. We review your health history privately and match you with the carrier most likely to approve you at the best rate.
Medicare Advantage (Part C) replaces Original Medicare with a network-based plan — many are $0 monthly premium with copays for visits and prescriptions. Medicare Supplement (Medigap) Plan G works alongside Original Medicare, keeps your doctors nationwide, and typically costs $115 to $210 per month in Miami-Dade with very few out-of-pocket costs. We compare both side by side at no charge.
Yes, and it is completely free — including policies you did not purchase through us. Our Free Policy Review covers life, Medicare, ACA and annuity contracts, and checks premiums, coverage amounts, riders and beneficiary designations. In 2025 we reviewed 640 existing policies and found that 41% of clients were overpaying or had outdated beneficiaries.
Sí. Our Little Havana office provides full in-person and telephone support in English, Spanish and Haitian Creole. Three of our eight licensed agents are fully bilingual in Spanish, and we maintain dedicated Creole-speaking support staff for Medicare and ACA appointments. Documents and plan summaries can be reviewed in the language you are most comfortable with.
Absolutely — self-employed workers, 1099 contractors, gig drivers and hospitality staff are our fastest-growing client group in Miami-Dade. We calculate your ACA premium tax credits, many households end up paying under $50 per month, and then pair that coverage with an affordable term life policy so your family's income is protected if something happens to you.
Every agent holds an active Florida Department of Financial Services license — 2-15 (Life, Health & Annuity) or 2-40 (Health Insurance Only). Our team completes annual continuing education plus AHIP Medicare certification and CMS-compliant marketing training. Biscayne Bay Insurance Group, LLC has been A+ Better Business Bureau accredited since 2015 and is a NABIP member.
Our agency advocates for you at no charge. We contact the carrier directly, assemble the required documentation, file the paperwork and follow up persistently until there is a resolution. In 2025 we assisted 37 Miami-Dade families with life insurance claims totaling more than $1.8 million. Claims support is a core part of our service, not an afterthought.
Yes. We build small group benefit packages for businesses with 5 to 50 employees, including group health, dental, vision, group life and disability income coverage. Most Miami employers with 25 or fewer employees qualify for small-group rates, and we help you identify available employer tax credits. Request a group quote by calling +1-540-352-6249.
In person we serve all of Miami-Dade County plus Broward County (Hollywood, Pembroke Pines, Miramar, Fort Lauderdale) and Monroe County (Key Largo, Islamorada). Because our life insurance licenses are active statewide, we can write Florida life policies by video appointment for clients anywhere in the state — from Naples to Jacksonville.
Still have a question? Visit our contact page or read more about our licensed agents.
Medicare Annual Enrollment runs October 15 – December 7, and ACA Open Enrollment runs November 1 – January 15. Life insurance quotes are free year-round with no obligation. Call now and speak with a licensed Miami agent — English, Spanish or Haitian Creole.
📞 Call Now: +1-540-352-6249Biscayne Bay Life & Health Insurance Group
Little Havana Main Office: 2740 SW 8th Street, Suite 210, Miami, FL 33135
Kendall Satellite Office: 8900 SW 117th Avenue, Suite 305, Miami, FL 33186
Mon–Fri 8:30 AM – 6:30 PM · Sat 9:00 AM – 2:00 PM (by appointment) · Evening video appointments available
Email: info@biscaynebaylifehealth.com
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