About Hinerman Group

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.

We listen carefully to details of any health challenges you have and we’ve proven time and again that the quote you get from us will be the answer we get back after underwriting. The biggest high risk life insurance companies in the industry can’t get you a better approval than the Hinerman Group can.

Want customer service? We provide service before the sale, making sure everything you need is available for you to make an informed decision. We know that you may have questions about how much to buy, what type of life insurance to purchase and how to make it fit into your budget. We provide the answers and then, no kidding, no pressure.

Unlike most other life insurance agents and agencies, we work hard for people with health challenges and high-risk occupations or life styles.  If you have ever been declined for life insurance for any reason, you’ll want to speak with us.

During the process, we keep you informed about what’s going on, while also fighting for the best possible approval rating. Once your policy is approved, we make sure you know all of the options so we can give you exactly the policy you want.

After the sale we stay in touch, answering questions, offering advice, providing forms and generally being your professional life insurance advocate.

We know what it takes to be a Quotacy®, Accuquote® or Termlife2go.com, but we have chosen personal service over mass production. We have chosen to be the champions for the un-served and under served in the world of life insurance. We have made a decision that your needs and that of your family are our first priority.

We look forward to serving you, earning your trust and then your business.

The Hinerman Group Blog is Your One Stop Resource

Making sure that you and your family receive the best products and service matter to Ed. To that end The Hinerman Group blog has been created for your use. Don’t miss this wealth of Life Insurance knowledge and guidance. You will find everything from Diabetes Insurance 101 to The Difference Between Whole and Term Life Insurance. If you are looking for something specific you do not see covered in the Blog, be sure to pick up the phone and contact Ed directly.

Want to talk? 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!