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....
Was That An Accident?
At first thought, accidental death insurance seems quite simplistic and obvious without the need for much explanation. But you know me. Why let something obvious go without an explanation. You might be surprised at the number of inquiries I get asking what...Foreign National View Of Obamascare!
Do we really want to even throw that question out there? How about we test out a few facts, throw some perspective on it and see how many of us want to move? The US spends more on health care than any other developed country….with worse outcomes! Well OK, but...AARP And Foresters Are Second Cousins!
I’ve been careful about life insurance claim abuse cases I’ll help with only because, in most cases, the state insurance commissions are very good at putting things back on track and getting valid claims paid. But occasionally it will be...AARP/New York Life Customer Service Non Existent
Here we go again. I called New York Life this morning to see if I could be assigned a permanent contact to call when beneficiaries are getting the run around on death claims. I ended up talking to the executive assistant for NYL Executive Vice President Michael...Is Your Afghanistan Life Insurance Going To Pay?
I took a call this morning that popped up a question for civilian contractors and workers in war zones that I had honestly not considered. The call was from a widow whose husband worked for a US company in Afghanistan and died while working there about six months ago...Ex Patriot Or International Term Life Insurance!
I’ve brought this up in the past in response to a very real need with missionaries. Traditional life insurance isn’t horribly friendly to folks doing mission work outside of the country, a knee jerk reaction to the fact that there are some places in the...Declined Life Insurance Doesn’t Lead To More Declined Life Insurance!
There is this perverse notion, an urban legend if you will, that if you get declined for life insurance you become life insurance toast from then on. You might as well buy accidental death insurance and just hope that space junk and not cancer is the cause of your...Does Life Insurance Treat All Mountain Climbing Equally?
Ahh, the dangerous hobby thing. When I was in my 20’s and 30’s and a bit into my 40’s and 50’s, we rock climbed, bouldered, and mountain climbed, rappelled off of anything that our rope would reach most of the way down and even did a Tyrolean...How Many Die Every Day Without Life Insurance?
According to the US Census bureau about 2.5 million people die every year in the United States. That’s from all causes and all ages. Assuming all days are equal that means that about 6850 people die every day in our country. This is going to get a little deep...That Stranger Than Fiction Side Of Life Insurance Companies!
A colleague and I were bemoaning some of stranger than fiction nonsense that life insurance companies come up with. They always tout these things as the newest innovation to speed up underwriting, the best product idea since sliced bread, or they just leave it out...Life Insurance For Crab, Lobster And Long Line Fishing!
It occurred to me as I was writing insurance on a civilian contractor working at a forward operating base in Afghanistan a few weeks ago that, that there must be others just like them. There must be other groups of people who could benefit from affordable dangerous...Insurance For War Zones And Other Dangerous Places!
With the amount of business rolling in for people working in AFghanistan and Iraq as civilian contractors it seemed an appropriate time to take a look at some of the other worldwide dangerous occupations where people are not going to find off the shelf accidental...A Refreshing Look At Exclusions In Life Insurance!
We’ve talked a lot over the years about exclusions in life insurance policies. There’s the dark side which is mostly urban legend. The cases we’ve all heard about where, a claim is denied because a person died in a car accident after suffering a...Don’t Buy New Life Insurance When You Don’t Need To!
I know there are agents that giggle all the way to the bank when they get an opportunity to sell a new policy and replace someone’s existing insurance, even though the existing insurance is still good for the client. I’ve had a lot of clients, or would be...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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