Speak with a licensed agent in under 3 minutes — Average quote turnaround under 24 hours · Available 24/7 for urgent client questions
Whether you are a self-employed rideshare driver in Hialeah with no employer benefits, a Coral Gables family looking for affordable term life coverage, or a retiree turning 65 in Kendall, our licensed agents build a plan around your budget instead of pushing a single carrier's product. Because we are an independent agency — not a captive agent — we shop 10 health and Medicare carriers and 8 life insurance carriers side by side. Our team has prepared more than 12,000 personalized quotes across Miami-Dade since 2011, and every consultation, comparison and application is handled at no cost to you. Explore our full services page to see available product lines.
Coverage from $50,000 to $2,000,000 with level premiums you can lock in for the term you choose. In 2026, a healthy 30-year-old Miami applicant can often secure $250,000 of 20-year term coverage for roughly $18–$24 per month. Ideal for new parents, mortgage holders and 1099 contractors protecting young families.
Get Free QuotePermanent coverage that never expires, with cash value that grows tax-deferred and can be borrowed against later. Popular with Miami small business owners who want lifetime protection plus a conservative savings component alongside their retirement accounts. We illustrate 20- and 30-year projected values before you commit.
Get Free QuoteCoverage of $5,000–$25,000 designed to cover funeral costs, cremation, outstanding medical bills and small debts. Typical Miami premiums run $32–$95 per month depending on age and benefit amount, and no-medical-exam options are available for applicants with diabetes, COPD or prior heart conditions.
Get Free QuoteAHIP-certified and CMS-compliant guidance on Medicare Advantage (Part C), Medicare Supplement Plan G and Part D drug plans. Many Advantage plans in Miami-Dade carry a $0 monthly premium; Plan G rates typically range from $115–$210 per month by age. Free bilingual Medicare workshops run the first Wednesday of every month at our Little Havana office. See options on our Medicare services page.
Get Free QuoteSubsidy assistance and plan comparison for Ambetter, Molina, Oscar Health, Florida Blue and Simply Healthcare. Most Miami-Dade households qualify for premium tax credits, and many of our clients pay under $50 per month after subsidies. We also help families enroll in Florida KidCare at zero cost to you during the November 1 – January 15 Open Enrollment window.
Get Free QuoteGroup health, dental, vision, life and disability packages for Miami restaurants, salons, construction crews and professional offices. We benchmark three to five carrier proposals, handle employee enrollment meetings in English or Spanish, and manage ongoing renewals so you can retain staff in a competitive South Florida labor market.
Get Free QuoteWe also write mortgage protection with living benefits, guaranteed issue life insurance for ages 50–85 with no health questions, fixed indexed and multi-year guaranteed annuities (MYGA), and disability income insurance. Not sure which product fits? Contact our office or call +1-540-352-6249 — we will walk you through it line by line.
Biscayne Bay Life & Health Insurance Group was founded in 2011 by Carmen Delgado, who has 23 total years in the insurance industry. Our 8 licensed agents and 3 bilingual support staff live and work in Miami-Dade — we know which Medicare Advantage network actually includes your Kendall cardiologist, and which life carrier approves applicants with well-managed type 2 diabetes.
For 14+ years we have served the Miami community from our Little Havana office at 2740 SW 8th Street and our Kendall satellite at 8900 SW 117th Avenue. We know Miami-Dade provider networks, hurricane-season claim timelines and the neighborhoods where Medicare Advantage HMO plans work best. That local knowledge is not something a national call center can replicate.
Our 24-hour response guarantee means every quote request and client question gets answered within one business day — and our average weekday response time is under 2 hours. During Medicare Annual Enrollment (Oct 15 – Dec 7) we add evening video appointments Monday through Thursday until 8:00 PM. Urgent claim issues are handled 24/7 at +1-540-352-6249.
Consultations, quotes, policy reviews and enrollment help are always free — no fees, no hidden charges, no obligation. Agent commissions are paid by the insurance carrier, never by you, so a policy costs the same whether you buy it through us or direct. We show you the carrier's own rate sheet and the exact premium before you sign anything.
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Every client gets a free annual policy review and a rate-shopping guarantee: if you find a lower rate for identical coverage, we will match it or explain precisely why the difference exists. We are Better Business Bureau A+ accredited since 2015, NABIP members, and rated 4.9 stars across 300+ verified reviews. No client is ever asked to commit during a first appointment.
From first phone call to active policy, most life insurance applications take 2 to 4 weeks and most health, Medicare and ACA enrollments are completed the same day. Here is exactly what to expect when you work with a licensed Biscayne Bay agent.
Call +1-540-352-6249, submit our contact form, or stop by the Little Havana or Kendall office. A licensed agent — not a call-center script — picks up. We ask about your age, health, dependents, budget and whether you need life, health, Medicare or all three. This conversation typically takes 12–18 minutes.
We review any existing coverage you already own — even policies bought from another agency — and explain how underwriting, ACA subsidies and Medicare enrollment periods actually work before recommending anything. You receive a written needs analysis showing the coverage gap in real dollars, delivered within 24 hours of your appointment.
You get two or three carrier options compared line by line — premium, network, benefits, exclusions and cash value where applicable — across Florida Blue, UnitedHealthcare, Humana, Aetna, Mutual of Omaha, Transamerica and others. We apply for your preferred plan the same day and handle every form, signature and carrier follow-up call.
Once issued, we walk you through your policy documents, set up beneficiary designations correctly and add you to our free annual review program. When a claim occurs, our team calls the carrier, gathers documentation and follows through on behalf of you and your beneficiaries — so no Miami family has to navigate a claims call center alone.
Use this quick estimator for a ballpark 20-year term life range based on current 2026 carrier pricing for Miami-Dade applicants. These are sample figures for a healthy, non-smoking applicant — your actual rate depends on medical history, tobacco use and the carrier you choose. A licensed agent confirms your exact premium free of charge.
| Product | Coverage | Typical Monthly Range |
|---|---|---|
| 20-Year Term (age 30) | $250,000 | $18 – $24 |
| 20-Year Term (age 45) | $500,000 | $58 – $75 |
| Final Expense (age 45–85) | $5,000 – $25,000 | $32 – $95 |
| Medicare Advantage (Part C) | Many Miami-Dade plans | $0 monthly premium |
| Medicare Supplement Plan G | Varies by age | $115 – $210 |
| ACA Marketplace after subsidies | Individual / family | Often under $50 |
Want the real number? Call +1-540-352-6249 and we will run carrier-specific quotes for your exact age and health profile — free, with no obligation and no sales pressure. You can also read more about our agency and credentials.
Our main office sits in Little Havana at 2740 SW 8th Street, Suite 210, Miami, FL 33135, with a satellite office in Kendall at 8900 SW 117th Avenue, Suite 305, Miami, FL 33186. We meet clients in person, by phone, or by video — and life insurance is licensed and available statewide across all of Florida.
Don't see your area? We serve the entire region — call us at +1-540-352-6249 and we will arrange an in-person or video appointment anywhere in Miami-Dade, Broward or Monroe County.
We hold a 4.9-star average across 300+ verified reviews. Here are recent examples from clients across Miami-Dade.
"I'm a rideshare driver in Hialeah with no benefits at all. Carmen's team explained ACA subsidies in Spanish, and I ended up paying $41 a month for a plan that covers my primary doctor. They also sold me $250,000 of 20-year term life for $22 a month. The whole thing was done in two days."
Luis M. — Hialeah, FL
"A different agency had me on a Medicare Advantage HMO that didn't include my Kendall cardiologist. I called on a Tuesday morning and got a call back within 30 minutes. They moved me to Plan G and my specialist copays dropped from $50 to $0 for the year. They even handled the disenrollment paperwork."
Marta R. — Kendall, FL
"My mother passed in 2025 and we had a final expense policy with them. Carmen personally called the carrier, filled out the death claim, and followed up weekly. We received the $15,000 benefit in 19 days without one call to a claims center. That kind of help is worth more than the premium."
Jean-Robert D. — Little Haiti, FL
"We run a 14-employee restaurant in Little Havana. Biscayne Bay brought us three group health proposals and a dental option, then ran the enrollment meeting in Spanish for our kitchen staff. Our renewal went up only 4.2% this year, which our previous broker never managed."
Yesenia P. — Little Havana, FL (Business Owner)
This faq Life and Health Insurance agent guide was updated in 2026 and answers the questions our Miami clients ask most often. If your question is not here, call +1-540-352-6249 and a licensed agent will answer it directly — no hold music, no call center.
You have questions. We have answers — and they cost nothing. Speak with a licensed Florida Life & Health agent in under 3 minutes, Monday through Friday 8:30 AM – 6:30 PM EST, Saturday by appointment, with 24/7 urgent support. No fees, no obligation, no pressure. Just clear answers from a Miami agency that has been protecting South Florida families since 2011.
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