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.

Request a Free Consultation Today!

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Hinerman Group Helps You Get Life Insurance When You Have Been Declined or Treated Unfairly

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 helpOur clients are our testimony!

If you have been declined life insurance recently or in the past, been charged a higher rate than you were quoted, work in a high-risk occupation, or are over 50 (60 or 70?), affordable rates for health and high risk life insurance are attainable through The Hinerman Group. We offer fantastic, no hassle service, and the best companies.

The online life insurance market place is dominated by companies that live and breathe quantity at the expense of your experience. It doesn’t have to happen that way, and we will work personally with you to make sure you are satisfied with the end product of our hard work.

20 years of experience and relationships with underwriters means we will find the best life insurance solution at affordable rates for you. The life insurance company won’t get a dime of your money until we’ve successfully served you and met your life insurance needs.

If you have been treated as a high-risk or have been declined a life insurance policy, we can help you. Let’s get together and get it done right for you and your family! Call or email and we can get started on an impaired risk life insurance policy with affordable rates today. Contact us for an online life insurance quote, or call at (866) 539-7914. We would love to earn your business.

Have you been declined or rated by insurance companies? We can help with life insurance for you and your family.

Request a Free Consultation Today!

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3 Easy Ways to Save on Your Life Insurance

Call Ed Toll Free

Call 866.539.7914 and speak with Ed directly. With decades of Life Insurance expertise, Ed has the answers that you need to make the best decision for your high risk and specific life insurance needs.

Get a Free, Confidential Quote

The Hinerman Group respects your privacy and honors your situation. We are your one stop resource for the life insurance you have struggled to find. Call us or fill out our quote request form today.

Ask a Question Now!

Contact the Hinerman Group directly now and learn more about the specifics of your insurance situation. Be sure to check out our blog for an extensive library of high risk insurance subjects, including what you need to know now.


Don’t Miss The Hinerman Group Blog!

Ed’s goal for you is to protect your family and loved ones no matter your risk profile and situation. A nationally acknowledged expert in High Risk Life Insurance, the Hinerman Group has the answers you need. Read our blog to learn more about the Insurance Industry and the specific situation you face today.

More questions? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION.

*Ed released the fish and it went on to have a full life.


My 20 years of experience gives me the knowledge and leverage to find reasonably priced Life Insurance for people who have been declined or are paying more than they need to.

Let’s get together and get it done right for you and your family!