Our Story
DByrne Agency is a trusted provider of life, health, and accident insurance, specializing in Indexed Universal Life (IUL) and Mortgage Protection Insurance to help individuals and families secure their financial future. With a personalized approach and deep industry knowledge, we offer tailored solutions that grow with your needs.
We work with top-rated insurance carriers such as SBLI, Americo, Mutual of Omaha, Foresters, F&G, and more, allowing us to find the right coverage for each client without bias. Whether you're protecting your mortgage, planning for retirement, or building a financial legacy, DByrne Agency is here to guide you every step of the way with expert advice and long-term support.
What is Mortgage Protection Life Insurance?
Mortgage Protection Life Insurance is a type of life insurance policy that is specifically tailored to cover your mortgage payments in the event of death or disability. The payout from the policy is used to pay off your remaining mortgage balance, ensuring your home is protected for your loved ones.
Who is Mortgage Protection Life Insurance for?
Mortgage Protection Life Insurance is designed for homeowners who want to ensure their mortgage is paid off in the event of an unexpected death or disability. It's ideal for individuals or families with a mortgage who want peace of mind knowing their home will be protected even if they are no longer able to contribute financially.
When Should You Get Mortgage Protection Life Insurance?
It's best to get Mortgage Protection Life Insurance when you first take out a mortgage, but it's never too late. The sooner you have coverage, the more secure your home will be. It can also be adjusted if your mortgage balance changes over time. Even if you're midway through your mortgage, it’s a wise decision to protect your home.
Why Do You Need Mortgage Protection Life Insurance?
Your home is likely your largest investment. Mortgage Protection Life Insurance ensures that, if the unexpected happens, your family won’t lose the roof over their heads. It provides financial security by covering your mortgage payments, reducing stress, and offering peace of mind during a difficult time.
Accidental Death Insurance
Accidental Death Insurance
Definition
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Policy issue ages: 18 – 70
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Guaranteed renewable to age 80
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Benefit amounts: Up to $1,000,000
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Family coverage available
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What accidents are covered?
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Accidental death insurance covers death sustained from any covered injury, work-related or non-work related.
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This coverage pays up to $1,000,000 if death results from a covered accident while riding as a fare-paying passenger on a common carrier such as a boat, bus or airplane.
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The Auto Pedestrian benefit pays up to $300,000 if the insured is killed while driving or riding in a private automobile or if struck by an automobile on a public street or highway.
Accidental death insurance provides financial support for your loved ones if you die in a covered accident. It’s available for anyone between the ages of 18-70; because this is guaranteed protection, you cannot be turned down if you qualify based on age.
injury
Injury means bodily harm which is the direct result of an accident or trauma that occurs while your policy is in force and results in loss independently of an unrelated sickness or any other cause.
Guaranteed Approval
Guaranteed approval if you qualify, based only on age
Coverage in high risk occupation
Coverage for workers in high-risk occupations who can’t qualify for life insurance
Family coverage
Family coverage available
Frequently Asked Questions
1. What does accidental death insurance cover?
Accidental death insurance covers death sustained from any covered injury, which may be work-related or non-work related. Mutual of Omaha’s accidental death policies pay additional benefits if the insured person is killed as a fare-paying passenger on a common carrier like a boat, bus or plane, or while driving, riding in, or struck by a motor vehicle.
2. What's the difference between accidental death and life insurance?
While life insurance generally protects you if you pass away for any reason while the policy is active, accidental death insurance only provides coverage in the event of a covered accident. On the other hand, accidental death is guaranteed, even for people who cannot qualify for many types of life insurance, as long as you are between age 18 and 70, and the premium is substantially lower per dollar of coverage.
Providers
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AIG (American International Group)​
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Foresters Financial​
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SBLI (Savings Bank Life Insurance)​
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American Amicable Life Insurance​
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Occidental Life Insurance​
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Americo​
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F&G (Fidelity & Guaranty Life)​
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Mutual of Omaha​
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Legal & General AMerica Life and Retirement
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Cigna
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Aetna
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UnitedHealthcare
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AFLAC
Protecting Your Future
At DByrne Agency, we are dedicated to providing you with the best insurance solutions to safeguard your future. Our experienced team of professionals is committed to offering personalized services tailored to meet your unique needs. With a focus on integrity and trust, we strive to build long-lasting relationships with our clients. Let us help you protect what matters most to you.
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Our Mission
At DByrne Agency, our mission is to empower individuals and families to make informed, confident decisions about their healthcare and insurance needs. By partnering with leading providers like Cigna, Aetna, and UnitedHealthcare, we offer a broad range of trusted, customizable health plans that deliver quality coverage, comprehensive support, and peace of mind. Whether you're securing health insurance, life coverage, or Medicare options, our team is dedicated to guiding you toward the best solutions for your unique circumstances, with integrity, transparency, and personalized service every step of the way.
Why Choose Us?
At DByrne Agency, we are committed to providing you with the right insurance solutions for every stage of life. Whether you're looking for life insurance to protect your family, health insurance to safeguard your well-being, accident insurance for unexpected events, or annuities to ensure a secure retirement, we offer personalized coverage tailored to your unique needs.