Have you been declined or rated for life insurance, or believe you might have a hard time being approved? We can help get you, your family, or your business approved for life insurance at fair rates. If all life insurance companies and all life insurance agents were the same then no one would have a bad experience when applying for life insurance.
At the Hinerman Group we know we can get you health or high risk life insurance you need at fair and affordable rates. Whether you are completely healthy or have health, occupation or other challenges we can help. Our clients are our testimony!
At the Hinerman Group we know we can get you health or high risk life insurance you need at fair and affordable rates. Whether you are completely healthy or have health, occupation or other challenges we can help. Our clients are our testimony!
Services
The Hinerman Group is everything the "Big Boys" in the life insurance business forgot to be. Selling you insurance on the first call is not our goal. Selling you on our service is. We know high pressure sales is the number one reason people don't buy life insurance, so we proceed at your pace, not ours.
I wrote this post about 10 years ago. That was just a few years after my mother went through diagnosis and treatment for breast cancer and it gave me a whole new awareness of the aspects like stage and grade and treatment options. I hope updating the information and. There actually isn't any fine print in the SBA loan requirements, so rest easy.
Ed understands that everyone's insurance needs are different. To help you find the right high risk life insurance quote at the best possible price, he starts by finding out what your goals are. Even if you have been declined life insurance in the past, been "rated, " work in a high-risk occupation, are over 50 or have health problems, the Hinerman Group may be able to help you.
The why is a simple concept. It's just rude to die and leave a financial mess behind. If your family is dependent on your income, or if you have debt that would not be paid in full upon your death or if your business or partnership is dependent on you, you should have life insurance to cover your business, your family or your debt, so others don't suffer financially due to a lack of YOU.
All of us have seen advertisements for level term life insurance. It usually shows a young family and says something like "this 35 year old father could have $500,000 of term life insurance for less than a dollar a day". No one is fast enough to read the fine print, but if you pause it you'll discover that it's the price of a 10 year term life policy, a completely inappropriate recommendation for the a young husband and father.
Reviews (10)
Michael Jureidini
Dec 26, 2021
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Eleven years ago I did surgery for Prostate Cancer and wondered whether I would be able to be ever insured. My daughter Tamara, who lives in England search the net and found Ed Hinerman who then got me insured and I am thanking God for him everyday. Thankfully I was able to meet all of the insurers' requirements although I lived abroad as Ed was able to make all the arrangements including the medical examination to be done within the USA. Over the years our relationship has grown and I would definitely consider him a friend in deed. Great service from a wonderful human being.
Thanks Ed.
Thanks Ed.
Melody Krenelka
Jul 31, 2021
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We originally found Ed through my online research related to life insurance rates and insurability for a certain medical condition. 8 years later we continue to be impressed with the personalized service he provides and his yearly follow-up emails to make sure our coverage still meets our needs. Ed is a true professional who leverages his incredible industry knowledge to secure great insurance for people in unique health situations.
Dustin W.
Jul 30, 2021
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I went with the Hinerman Group about 9 years ago because I was a pilot and a SCUBA diver. Other insurance companies didn't want to quote me or quoted very high premiums. Ed was able to get me a very good rate for a term policy. Since then I recently went with Ed for a policy for my wife and the process was just as smooth and easy as it was before. Highly recommend the Hinerman Group for your life insurance needs.
Greg Champagne Jr
Jul 21, 2021
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John Stephenson
Jun 27, 2021
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High Values, Trust, Caring--- Ed is simply the best and most trustworthy insurance consultant (I won't call him a salesman because he doesn't sell, he advises!) I have ever met or worked with. He puts your needs first and works diligently to find the best value coverage, no matter what challenges he finds. If you are healthy or not healthy, call Ed!
Jacob Lee
May 30, 2021
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Mattydukes
May 05, 2021
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I found the Hinerman group 9 years ago when I was looking for life insurance for myself. As a person at higher risk due to weight and sleep apnea, they found me a policy I could afford that would protect my family in case of my untimely demise.
Additionally, every year Ed Hinerman sends me an email asking if I have questions, concerns, want to change or add anything to my current insurance strategy.
Additionally, every year Ed Hinerman sends me an email asking if I have questions, concerns, want to change or add anything to my current insurance strategy.
Gayla Maas
May 05, 2021
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I wanted to take a moment and say a huge thanks for all of the work y'all put in, and for making things flow so smoothly with my insurance application and policies. I have to admit, I was hesitant, due to the distance, because, at my age, I've only conducted this sort of business in person. I'm not sure it could have gone any better for me sitting in an agent's office, and I know that is because y'all went the extra mile on your end. I look forward to working with you, at least annually, for many years to come. Thanks so much!
David Kellis
Mar 20, 2021
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Positive: Professionalism, Quality, Responsiveness
Ed is one of the most conscientious people with whom I have ever done business. He regularly follows up to ensure our questions are answered and needs are met. He also was extremely helpful in finding the right life insurance product for me as a pilot. I cannot recommend Ed highly enough.
Ed is one of the most conscientious people with whom I have ever done business. He regularly follows up to ensure our questions are answered and needs are met. He also was extremely helpful in finding the right life insurance product for me as a pilot. I cannot recommend Ed highly enough.
Jessica Hawk
Feb 03, 2021
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We have had nothing but great experiences in the 10+ years we have worked with the Hinerman Group for all of our insurance needs. So far there has been no challenge Ed and his team has not been able to overcome, and we certainly threw them a few curve balls! If you work with these folks you will get top-quality, professional, and personalized service, highly recommend!!