✅ Independent Agent ✅ Multiple Carrier Options ✅ Free Policy Review ✅ Claims Support
Florida Department of Financial Services License 2-15 & 2-40 • AHIP Medicare Certified Annually • A+ BBB Accredited Since 2015 • NABIP Member
Biscayne Bay Life & Health Insurance Group is an independent insurance agency — meaning we are not tied to a single carrier. Our licensed agents compare rates and benefits across more than 20 A-rated companies, then explain the fine print in plain English (English, Spanish or Haitian Creole) before you sign anything. Every consultation is free, every quote is no-obligation, and our team has placed over 5,000 life and health policies for Florida families since 2011. Whether you live in San Marco, Mandarin or Ponte Vedra Beach, a top rated life and health insurance agent in Jacksonville, Florida is one phone call away at +1-540-352-6249.
Coverage from $50,000 to $2,000,000 with level premiums locked in for the term you choose. A healthy 30-year-old in Jacksonville can often qualify for $250,000 of 20-year term coverage for roughly $18–$24 per month. Ideal for new parents, mortgage holders and 1099 contractors who want maximum protection for the lowest cost.
Talk to an agent: +1-540-352-6249
Get Free QuotePermanent coverage that never expires, builds tax-deferred cash value and can be borrowed against later. We build IUL illustrations with guaranteed floors and clearly disclose caps, participation rates and policy charges. Popular with Jacksonville small business owners who want lifelong protection plus a supplemental retirement asset.
Talk to an agent: +1-540-352-6249
Get Free QuoteDesigned for ages 45–85 with coverage between $5,000 and $25,000 — typically $32 to $95 per month. Guaranteed-issue options are available for ages 50–85 with no health questions and no medical exam. Benefits pay directly to your named beneficiary, so your family is never asked to crowdfund a funeral.
Talk to an agent: +1-540-352-6249
Get Free QuoteTurning 65 or retiring early? We are AHIP Medicare-certified and CMS-compliant, and we enroll clients in Florida Blue, UnitedHealthcare, Humana, Aetna, Cigna, Simply Healthcare and more. Many Medicare Advantage plans in Duval County carry a $0 monthly premium, while Medicare Supplement Plan G typically runs $115–$210 per month.
Talk to an agent: +1-540-352-6249
Get Free QuoteSelf-employed, gig-economy or between jobs? We calculate your premium tax credit, compare Ambetter, Oscar Health, Molina and Florida Blue Marketplace plans, and handle the entire application at zero cost to you. Most Jacksonville households we assist pay under $50 per month after subsidies — and many qualify for $0 Silver plans.
Talk to an agent: +1-540-352-6249
Get Free QuoteMortgage protection pays off or pays down your home loan if you pass away, with optional living benefits for critical, chronic or terminal illness. We also write disability income insurance and small group employee benefits for Jacksonville businesses with 5–50 employees. Ask about our free policy review for coverage you already own.
Talk to an agent: +1-540-352-6249
Get Free QuoteA captive agent can only sell you one company's products. As an independent insurance agency appointed with 20+ carriers, we can honestly say "that plan isn't right for you" — and put you with a better one. That independence is the single biggest reason Jacksonville families call us back, refer their parents, and stay with us for their annual policy review.
Biscayne Bay Life & Health Insurance Group was founded in 2011 and has grown to a team of 8 licensed agents and 3 bilingual support staff. Founder Carmen Delgado brings 23 total years in the insurance industry. We have completed more than 5,000 life and health insurance placements across Florida, including thousands of clients in Duval County from Riverside and San Marco to Mandarin, Arlington and the Beaches.
Every quote request and client question gets a response within 24 hours — and during Medicare Annual Enrollment (Oct 15 – Dec 7) and ACA Open Enrollment (Nov 1 – Jan 15) our average callback time is under 45 minutes. Evening video appointments run Monday–Thursday until 8:00 PM, and Spanish, English and Haitian Creole phone support is available.
Interested in learning more? Submit the form below.
Consultations and quotes are 100% free with no obligation. Agent commissions are paid by the insurance carrier, never by you — you pay the same premium whether you enroll through us or directly. If you find a lower rate for identical coverage, our rate-shopping guarantee means we will match it or explain in writing exactly why the difference exists.
We don't disappear after the policy is issued. Every client receives a free annual policy review, and when a claim is filed, our team calls the carrier and handles the paperwork on behalf of the beneficiary so a grieving family never has to fight an insurance company alone. Fully licensed, A+ BBB accredited since 2015, and rated 4.9 stars by more than 300 clients.
Prefer to read first? Visit our about page to meet the team, or call +1-540-352-6249 and we'll walk you through it — no pressure, ever.
Use this quick estimator to see a realistic monthly range for term life coverage in Jacksonville, Florida as of 2026. Then send the form below and a licensed agent will confirm your exact rate from 20+ carriers — free, with no obligation and no medical exam required for many approvals.
Would rather talk it through? Call +1-540-352-6249 — you'll reach a licensed agent, not a call center.
Four straightforward steps — most Jacksonville clients go from first phone call to an issued policy in 3 to 10 business days. There is no cost and no obligation at any step, and we never ask you to commit during a first appointment.
Call +1-540-352-6249 or submit the quote form and we'll respond within 24 hours — usually the same business day. Tell us what prompted the call: a new baby, a mortgage, turning 65, losing employer coverage or simply shopping for a better rate on coverage you already hold.
In a 20–30 minute consultation (phone, video or in person) we review your health history, budget and family obligations. We also perform a free policy review of any existing life or health coverage, including policies not purchased through our agency, and flag gaps or duplicate coverage.
We run your scenario through our carrier quoting platform and present two or three side-by-side options with real numbers — not estimates. You get a written comparison showing premium, coverage amount, term, riders, cash value potential and the underwriting path each carrier will require.
We complete the application, help schedule the paramedical exam if one is required, and follow up with the carrier until the policy is issued. After that: free annual reviews, beneficiary updates, and claims advocacy where we handle carrier calls and paperwork on your family's behalf.
Our agents meet Jacksonville-area clients in person by appointment and by secure video from your kitchen table. Life insurance is licensed and available statewide across Florida; health, Medicare and ACA enrollment support is available throughout Duval, Clay and St. Johns County.
Don't see your area? We serve the entire Northeast Florida region — call +1-540-352-6249 and we'll confirm coverage in your zip code in minutes.
More than 300 verified reviews and a 4.9-star average. Here is what real Jacksonville-area clients said after working with our licensed agents.
Marisol R.
"I'm self-employed and had no idea ACA subsidies could cut my premium that much. Carmen's team walked me through the Marketplace application line by line and my Silver plan went from $412 to $46 a month after the tax credit. They also found me $250,000 of term life for $23 a month. Zero pressure the entire time."
Dwayne P.
"Called on a Tuesday about Medicare because I was turning 65 in six weeks and totally lost. Got a callback in about 30 minutes, and we compared four plans on a video call. Enrolled in a $0-premium Advantage plan that covers my cardiologist at Baptist. They even handled the Part B enrollment paperwork with Social Security for me."
Yvette & Jean-Claude T.
"When my father passed, we had no idea what to do with his final expense policy. The agency called the carrier for us, submitted the death certificate themselves, and the $15,000 benefit was paid in 9 days. They treated our family like their own and never once mentioned a fee."
Robert K.
"I had a 12-year-old term policy I'd never reviewed. Their free policy review found I was paying $94 a month for $400,000 when comparable coverage was $61. They matched the lower rate and I switched in under two weeks with no lapse in coverage. Saving $396 a year for the same death benefit."
Updated for 2026 enrollment periods. If your question isn't answered here, call +1-540-352-6249 — a licensed agent answers, not a script reader.
Jacksonville is one of the fastest-growing metro areas in the Southeast, and thousands of residents here work as 1099 contractors, gig drivers, restaurant and hospitality staff, or at the Port of Jacksonville and Naval Station Mayport — often without employer-sponsored benefits. That makes individual health and life insurance a necessity rather than a luxury. A local agent who understands Florida's ACA subsidy rules and Northeast Florida carrier networks can make the difference between a $400 health premium and a $45 one.
Our agents regularly meet Jacksonville clients in Riverside, Avondale, San Marco, Mandarin, Arlington, Southside, Bartram Park, Nocatee, Atlantic Beach, Neptune Beach, Jacksonville Beach, Ponte Vedra Beach, Orange Park, Fleming Island, Fernandina Beach, Yulee and Green Cove Springs. Frequent zip codes include 32202, 32204, 32207, 32210, 32216, 32218, 32224, 32225, 32246, 32250, 32256 and 32258. In-person appointments are available in Duval, Clay and St. Johns County, and video appointments are available statewide for life insurance.
Biscayne Bay Life & Health Insurance Group operates under Florida Department of Financial Services License 2-15 (Life, Health & Annuity) and License 2-40 (Health Insurance Only), with all agents completing annual continuing education. We are AHIP Medicare-certified and CMS-compliant for Medicare marketing and enrollment, NABIP members, and A+ BBB accredited since 2015. Florida's free-look period gives every policyholder a legal right to review and cancel new coverage within the statutory window.
From the Riverside Arts Market to the Beaches Town Center, our team has spent 14+ years helping Jacksonville families protect their income, their home and their retirement. One call is all it takes — +1-540-352-6249. Or read more on our about page and services page.
Rates change with age, and every birthday can mean a higher premium. Speak with a top rated life and health insurance agent in Jacksonville, Florida right now and get real numbers in under 10 minutes — free, no obligation, no pressure, and available 24/7.
Licensed & Insured • 4.9/5 from 300+ Reviews • A+ BBB Accredited Since 2015 • Founded 2011 • Bilingual Support: English, Spanish & Haitian Creole