Andy G. Borgia, CLU
Andy Borgia is the co-founder of DI4MDs and has more than 30 years of experience with life and disability coverage where he specializes in working with physicians. In addition to being a founding partner of BYCO Insurance Services, he is a Chartered Life Underwriter and has advised staff, residents, and fellows at medical groups, clinics, and hospitals throughout the United States. Because Andy is not affiliated with any one insurance company, he is able to work in the best interest of his clients. He enjoys spending time with family, studying disability insurance, and is a triathlete, cyclist and avid traveler. Andy is a member of the National Association of Insurance and Financial Advisors and Society of Financial Service Professionals.
His professional business philosophy is to follow the CLU pledge:
“In all my professional relationships, I pledge myself to the following rule of ethical conduct: I shall, in light of all conditions surrounding those I serve, which I shall make every conscientious effort to ascertain and understand, render that service which, in the same circumstances, I would apply to myself.”
D.K. Unger is a physician disability income specialist. He has extensive knowledge of the various types of disability insurance policies. He doesn’t work for just one insurance company. This means he is able to match the client with the most cost-effective and comprehensive plan. He advocates on behalf of the client to receive the most favorable underwriting decision. Before insurance, he advocated for clients when uncovering hidden fees in retirement plans. D.K. likes to read and stay active in San Diego’s agreeable weather. His professional business philosophy is to treat each client like his only client.
Lynne Mar is a valuable member of the DI4MDS team with 12 years of experience in the insurance industry. Her inside knowledge of the claims, underwriting, and administrative processes of insurance companies help her to give high quality service to clients who are establishing coverage with life & disability policies or need help with their in-force policies. Lynne grew up in Minnesota, then obtained a BA degree in Administrative Studies from the University of California. She enjoys hiking, tennis, cycling, and cheering for her daughter’s softball team.
Catherine M. Borgia
Cathy Borgia handles financial transactions for DI4MDs and oversees producer license renewals and list billings for some of our large physician group clients. She has a B.S. Degree in Business Management from Arizona State University. She enjoys spending time with her family, traveling the world, and working out.
Barbara (Barb) Lutz is an Account Executive at DI4MDs and is licensed in life, disability, health, and long-term care. Her attention to detail, follow-through and work ethic ensure that applications are processed accurately and quickly, and that underwriting goes smoothly. Clients enjoy the same high quality service when their policies are in force. Barb enjoys movies, traveling, and gifts of fine wine at holiday time from happy clients.