Every household in Miami-Dade has a different gap. A Little Havana restaurant owner needs business succession coverage, a Brickell rideshare driver needs income protection, and a Kendall retiree turning 65 needs a Medicare plan that covers their prescriptions. Our licensed agents build a tailored protection plan around your budget — not a one-size-fits-all product — and shop your case across every carrier we are appointed with. See all of our services or call +1-540-352-6249 for a free comparison.
Level term coverage from $50,000 to $2,000,000 with rates locked for the entire term. Healthy 30-year-olds in Miami are quoted from roughly $18–$24 per month for $250,000 of 20-year term. Many applications are approved in 24–72 hours with no medical exam.
Compare Term RatesPermanent coverage that builds tax-deferred cash value you can borrow against for college, a down payment or retirement supplement. Popular with self-employed Miami professionals who want lifetime protection plus an asset that is not tied to the stock market.
Get an IUL IllustrationCoverage from $5,000 to $25,000 designed to cover funeral costs, medical bills and small debts. Typical Miami premiums run $32–$95 per month, and guaranteed issue options for ages 50–85 require no health questions and no medical exam.
Check Final Expense RatesAHIP-certified, CMS-compliant guidance from Florida Blue, UnitedHealthcare, Humana, Aetna and more. Many Medicare Advantage plans in Miami-Dade are $0 monthly premium; Medigap Plan G generally runs $115–$210 per month depending on age and tobacco use.
Book a Medicare ReviewObamacare enrollment with premium tax credit calculations done correctly. Most Miami-Dade households qualify for subsidies — many pay under $50 per month for a silver plan. We also provide $0-cost Florida KidCare enrollment help for families with children.
Calculate My SubsidyGroup health, dental, vision, life and disability packages for Miami restaurants, salons, clinics, construction firms and professional offices. We benchmark plan designs annually and handle open enrollment meetings on-site in English or Spanish.
Request a Group QuoteWe are not tied to a single brand. That independence is the reason our reviews consistently mention the same three things: honest comparisons, fast answers, and help when a claim is filed. Here is what that looks like in practice.
Biscayne Bay Life & Health Insurance Group holds appointments with 18+ carriers including Mutual of Omaha, Foresters Financial, Americo, John Hancock, Transamerica, North American, Nationwide and Gerber Life on the life side — plus Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Ambetter, Molina, Oscar, Doctor's Health Plan and Simply Healthcare on the health side. When one carrier declines a diabetic applicant or rates a heart condition highly, we have another path forward instead of a dead end.
Carmen Delgado has spent 23 years in the industry and founded this agency in 2011 with a simple rule: explain how underwriting, Medicare enrollment windows and ACA subsidies actually work before recommending anything. Clients who understand the mechanics make better decisions — and they stay clients for decades.
Our team of 8 licensed agents and 3 support staff serves clients in English, Spanish and Haitian Creole by phone, in person at our Little Havana and Kendall offices, or by video appointment anywhere in Florida. Learn more about our team.
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Founded in 2011 and rooted in Little Havana, we have served Miami-Dade for over a decade and now 14+ years. We know which carriers move fast for Miami cases and which ZIP codes trigger property questions on related coverage.
Our written 24-hour response guarantee covers every quote request — and our actual average first response is under 45 minutes during business hours. Claims and enrollment emergencies are monitored seven days a week.
Upfront quotes, no hidden fees, no cancellation penalties from us, and free estimates on every product. We show you the carrier's published rate so you can see exactly what you are paying and why.
Free annual policy review for life, a rate-shopping guarantee that we will match or explain any lower quote for identical coverage, and full claims advocacy. A+ Better Business Bureau accredited since 2015.
These are real sample rate ranges our agency quotes in Miami-Dade as of 2026. Your final premium depends on age, health history, tobacco use, coverage amount and term length — but this gives you a realistic starting point before we shop your case.
| Applicant Profile | Coverage | Estimated Monthly Premium |
|---|---|---|
| Healthy age 30, non-tobacco | $250,000 / 20-year term | $18 – $24 |
| Healthy age 45, non-tobacco | $500,000 / 20-year term | $58 – $75 |
| Age 65, final expense | $10,000 whole life | $32 – $95 |
| Medicare Advantage (many plans) | Part C, Miami-Dade network | $0 |
| Medigap Plan G, age 68 | Supplement to Original Medicare | $115 – $210 |
| ACA Marketplace with subsidy | Silver plan, individual | Often under $50 |
Term life pricing is driven mostly by age, health class and term length. Final expense pricing is driven by issue age and face amount, with no-exam options available. Health plan pricing is driven by household income, family size and the benchmark plan in your ZIP code. Medicare Advantage pricing is set by the plan, not by your health.
Prefer to talk it through? Call +1-540-352-6249 or request your free quote online.
No call center scripts and no rotating agents. From your first phone call to the day your policy is delivered and your beneficiaries are protected, you work with the same licensed Miami insurance agent.
Call or text +1-540-352-6249, submit the quote form, or request a video appointment. We answer within 45 minutes on average and our written 24-hour response guarantee means you are never left waiting. Tell us your goal — protecting a family, covering a mortgage, or sorting out Medicare at 65.
A 20–30 minute no-pressure consultation by phone, video or in person at Little Havana or Kendall. We review income replacement needs, existing coverage, mortgage balance, employer benefits, prescription list and household income for subsidy eligibility — then show you exactly where the gaps are.
You receive 2–4 side-by-side carrier options with real numbers: monthly premium, term length, cash value projections, network size or subsidy amount. No client is ever asked to commit during the first appointment — take the comparisons home and review them with family in your own language.
We complete the application, coordinate any labs or phone interviews, and confirm your policy is issued and correctly set up. Then the relationship continues: free annual policy review, beneficiary updates, claims advocacy and re-shopping if your health improves or rates drop.
Two offices, one team, and statewide Florida licensing for life insurance. In-person appointments are available in Little Havana (33135) and Kendall (33186), with video and phone appointments anywhere in the state.
Don't see your area? We serve the entire South Florida region — call +1-540-352-6249 and we will confirm coverage in your ZIP code, usually within the same day.
A 4.9-star average across 312 Google and BBB reviews. Here are recent, unedited accounts from clients across Miami-Dade — including the specific numbers behind the results.
"I run a food truck and had zero coverage for my two kids. Carmen quoted me $22 a month for a $250,000 20-year term policy after another agent wanted $40 for the same thing. She explained the underwriting process in Spanish so my mother understood every step, and the policy was issued in 3 days with no exam."
"I turned 65 last year and was completely lost on Medicare. The team compared nine Medicare Advantage plans in my ZIP code and found one that covers all four of my prescriptions. Switching during AEP saved me $1,140 a year, and they did the entire enrollment for me over video."
"As a self-employed esthetician I have no employer benefits. They got me an ACA Marketplace silver plan with a premium tax credit for $38 a month, and they also helped my daughter enroll in Florida KidCare at no cost to us. I texted a question on a Saturday and had an answer in 20 minutes."
"My father passed last April and I had no idea how to file a claim. Biscayne Bay handled every carrier call and every form for a $15,000 final expense policy. The death benefit was paid to my mother in 11 days, and they never charged us a dollar for the help."
Straight answers to the questions our Miami clients ask most often. If your question is not here, call +1-540-352-6249 — we answer in English, Spanish and Haitian Creole.
One call connects you with a licensed Miami insurance agent who will compare term life, final expense, Medicare Advantage, Medigap and ACA Marketplace plans side by side — at no cost and with no obligation. Ask about our free policy review, even if your current coverage was not purchased through us.
⏰ Medicare Annual Enrollment: Oct 15 – Dec 7 · ACA Open Enrollment: Nov 1 – Jan 15 · Available 24/7 for claims support
📞 Call Now: +1-540-352-6249