Secure Your Future with Life Insurance Services You Can Trust

Time can be your enemy or your friend

Procrastination can make the difference between confidently planning for your future and worrying about it. With our selection of affordable life insurance options, you can protect what matters most without breaking your budget. Our life insurance services are designed to make the process simple, transparent, and completely online.

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Time can be your enemy or your friend

Make sure you take advantage of your time and compound interest

Procrastination can mean the difference between worrying about your future and leaving the beginning of generational wealth for your successors.

Policies are not subject to RMD’s

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Term

This is typically the most affordable life insurance for short-term coverage. It offers the lowest initial premium, increasing with age. Many people choose term life to cover key life stages like paying off a mortgage, raising children to adulthood, or providing financial security during working years.

Types of Life Insurance

Final Expenses

A specialized form of whole life coverage designed to handle end-of-life costs. This life insurance policy doesn’t build cash value but ensures fixed premiums that never increase. It can cover funeral costs, small debts, and transitional expenses for your loved ones.

A flexible, permanent policy that builds cash value while offering lifelong protection. With universal life, you can adjust premiums within set limits and grow cash value that can be accessed tax-free during your lifetime. It’s an excellent option for individuals planning long-term wealth strategies.

Licensed in California 0M55728

Universal

Frequently Asked Questions

How old do I have to be to get insurance?

To buy life insurance, individuals must be at least 14 days old and not older than 80 years. Our life insurance services make it easy to find affordable life insurance options suited for every stage of life, no matter when you start planning for your future.

Can a minor have their own policy?

No, minors cannot legally own their own policy. However, they can be the insured under a plan purchased by someone who has an insurable interest, such as a parent or guardian. With life insurance options from insurancebybyrne, you can secure coverage for your child early, ensuring protection and flexibility for the future.

As a parent can I be the owner of my child’s policy?

Yes, parents may own their child’s life insurance policy, but they must also hold a personal policy valued at least twice th face value of the minor's policy. If there are multiple children in the family, each must have coverage. Our life insurance services make it simple to buy life insurance for your family, providing peace of mind and financial protection for years to come.

How do I compute how much insurance I need?

Perform a Financial Needs Assessment

Here are topics you need to prioritize when making your decision.
Term

If you have children, make sure it covers the number of years you are responsible for their well-being. Multiply that by the current annual expense of raising a child.
If you have a mortgage on your home, the policy should cover the full payoff. Choosing affordable life insurance ensures your home and family remain protected.
If you are single and leaving behind other family members, make sure your policy covers what you believe would be the minimum to cover any outstanding debts.

Whole Life – Assess plans that fit your needs

Universal life
a. Cost – premium, cost per 1000 changes per year; lower premiums when started younger.
b. Coverage – are there any limitations on payout; what age does the policy and benefits lapse. Our life insurance services can help you review and adjust coverage details before you buy life insurance.
c. Benefits – up-front percentage bump, added points for years without withdrawal, an adjusted floor and ceiling at a fee, a cash value account that grows independently.
Final expenses
a. Cost – premium never increases, set amount of coverage. This affordable life insurance option offers stability and peace of mind.
b. Coverage – at time of application, amount of coverage should be verified to cover current costs.
c. Benefits – immediate payout with some carriers, cloud storage for life documents. Simplify the process when you buy life insurance through insurancebybyrne.

About Alisa Byrne

Guiding her community from classroom learning to life-changing decisions.

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After dedicating more than 30 years to teaching mathematics, Alisa has carried her love for education into a new chapter—guiding her community through what she calls “life math.” Whether it’s understanding healthcare options, choosing the right insurance plan, or planning for long-term security, she believes everyone deserves clarity and confidence in the decisions that protect their future. Her mission extends far beyond simply providing information. Alisa is committed to ensuring that the same students and families she once supported in the classroom now feel equally supported in navigating some of life’s most important choices.

About Alisa Byrne

After dedicating more than 30 years to teaching mathematics, Alisa has carried her love for education into a new chapter, guiding her community through what she calls “life math.” Whether it’s understanding healthcare options, choosing the right insurance plan, or planning for long-term security, she believes everyone deserves clarity and confidence in the decisions that protect their future.
Her mission extends far beyond simply providing information. Alisa is committed to ensuring that the same students and families she once supported in the classroom now feel equally supported in navigating some of life’s most important choices.