How Depression Affects Life Insurance We live in a country that was anxious, arguably for good reasons, even before the coronavirus pandemic. In a lot of cases anxiety can lead to depression and the severity of the depression is what life insurance companies look at....
Voya Has Whole New Approach To Customer Service!
Voya Insurance, aka Reliastar Insurance, aka ING Reliastar, long one of the most boring companies in the life insurance business, has finally stepped out and away from the crowd. They couldn’t do it with products or underwriting, but they took aim at what every...Transamerica Living Needs Life Insurance Interesting!
I am always hesitant to give much attention to bells and whistles added to life insurance. Historically the bells and whistles have been a way to drive up the premium with little or almost no risk that the life insurance company will ever have to engage in paying out....War Zone Life Insurance!
There are some downsides to being raised in a place and by parents that molded me into a trusting person. Several months ago I was approached by two guys who wanted me to partner with them and process all of the business from their Afghanistan website for...Seven Points To Know About Life Insurance Customer Service!
If good customer service cost less than bad customer service, which would you choose. Trick question, right? Let me qualify that question a little. If you knew ahead of time that you were making a major purchase that offered little or no customer service after the...10 Question Pop Quiz On Your Term Life Insurance Policy!
A lot has changed over the past 30 some years in life insurance. Products have been invented and disposed of. Bells and whistles have been implemented and some of them have been disposed of. With a few notable exceptions though, the basic term life insurance policy...NAIC Answers Questions On Conversion Products And Options
A few days ago I was on a bit of a rip over the subjects of conversion privileges and how far too many companies are changing products offered to non guaranteed UL’s, rather than permanent products. The answer lies somewhere in a slight of hand the companies are...Accelerated Death Benefit Issue Explained (sort of)!
A few days ago I wrote a post about a blog comment concerning a person who was looking into the accelerated death benefit on their Met Life group policy. Her husband is terminally ill and they remembered that they could take a portion of the death benefit up front....Life Insurance Accelerated Death Benefit?
I have written several posts about the life insurance accelerated death benefit. As a refresher the practice of offering a partial accelerated benefit to terminally ill clients came about as a way to put some real dirt bags out of business. The bags would prey on...How Would You Use An Accelerated Death Benefit?
The accelerated death benefit is one of those gold nuggets in life insurance policies that, for very little cost, can bring peace, sanity and hope in the life of someone terminally ill. The ADB is simply one of the nicest things the life insurance companies have ever...Don’t Forget The Gold Nuggets!
Term life insurance is a product that is sprinkled with gold nuggets that make it so much more than it appears on the surface. The great news is that the nuggets are part of the policy and are not added on at an extra cost. One of those nuggets that I often take for...Met Life External Conversion Program!
Last week I talked about a case with Met Life where a person was able to use the met-life-external-conversion program in order to convert to a policy that had an accelerated benefit rider. Their company didn’t have the benefit and the person was terminally ill...Now Just How Nice Is That?
I heard a story about a Met Life case today that just inspired me. Life insurance companies quite often do things they don’t necessarily have to, like paying a claim when the validity could probably be argued. I’ve talked in previous posts about universal...Whole Life Cash Value Lie!
I’ve made no secret of my disdain for whole life insurance and the whole cash value is more important than adequate insurance mentality. I was cruising financial news today and saw an article on life insurance and decided to check it out. The article did provide...The Ultimate Final Expense Insurance!
There’s probably none of us who haven’t known someone whose family has gone through a terminal illness of a family member. The anticipation of the loss, the battling against the inevitability of the loss, the tremendous expense and strain of the process...The Hinerman Group
My 20 years of experience give 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. Request a Free Consultation Today!What Our Client's Have to Say
Joseph D'Angelo
20:43 28 Jul 20
Ed has been my insurance rock for decades. He's trustworthy, cordial, efficient and diligent. He checks in on me... frequently to see if I'm in need of anything. He's always made me feel like not just a client but a friend. The Hinerman Group deserves my highest recommendation. Joe D'Angeloread more
Dan Lifton
19:22 28 Jul 20
Ed is a consummate professional. He always had my best interests in mind and provided excellent service, including... follow up to ensure that we were happy. I would strongly recommend him.read more
Sherry Braden
15:06 18 Jul 20
Ed has been an invaluable consultant and truly, a friend! His advice and wisdom is a real asset in making decisions... regarding life insurance, one of the most important decisions in life. I would recommend Ed to anyone needing a calm, measured and thoughtful agent to help in getting the insurance you need and not what someone would just "hope" to sell to you.read more
Brian Wolfe
21:45 13 Jul 20
I've known Ed for 16 years now and he has helped me when other insurance providers either turned me down or simply... didn't want to deal with me at all. I have a lot of medical issues that make it difficult if not impossible to be insured but Ed worked with me to keep my policy active. He also gave me a 'heads-up' to save me money by renewing prior to an age related rate increase. I would recommend Ed (and have) to anyone looking for coverage- one of the nicest guys I've ever had the pleasure of knowing.read more
Michael King
22:14 24 Jun 20
In the business of Insurance there are so many to chose from. My decision was correct when choosing Ed Hinerman. He... works hard to get me the best policy and is responsive to my calls and emails.read more
Deloyd Johnson-Jones
21:40 22 Jun 20
Ed is a pleasure to work with. He was there when I needed someone to listen and advise. He assisted me when no one... else could. I am very grateful and appreciative of his commitment and dedication to customers. I highly recommend him and his firm!!!read more
Sue Corriea
16:55 21 Jun 20
Ed has been our insurance agent for over 25 years. We think of him as a friend. He has always been there to give us... quick, accurate, and compassionate advice during the ups and downs of our lives. We trust Ed and the Hinerman Group to always have our best interest at heart. Our words to describe Ed...knowledgeable, trustworthy, a friend.read more
Travis Pflanz
16:09 07 May 20
Ed recently hired my company, Search Centered Digital Marketing, to work on a small project for Hinerman Group. Ed was... detailed in his communication and in-depth in his questions regarding the process. Ed was a great client and I have all confidence in recommending my CO friends to Ed for all their home and life insurance needs.read more
Dr. Kenneth R. Eye II
16:37 16 Apr 20
Ed Hinerman has been my life Insurance agent for the past 7 years. Impeccable service that is professional, prompt and... informative. Ed knows where to shop to get the most from insurance carriers that I do not have access. Ed understands my needs as a doctor and business owner. If you are looking for an agent you can trust that is full service than let Ed represent you. He has access and relationships to chief underwriters at insurance carriers able to offer great terms and premiums to insure high net worth individuals and the resources to give you introductions beyond life insurance to other trusted agents for disability, key man and office overhead. Thanks, Ed!read more
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