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How Much Does Weight Affect Life Insurance Rates?

by Ed Hinerman | Nov 26, 2019 | build, life insurance, obesity

Why? Life insurance underwriters look at all aspects of health when they are deciding at what rate to approve your application. The good news is they aren’t looking for models, but rather weight from a health standpoint….a much fairer expectation....

The Old Folks Life Insurance Advantage!

by Ed Hinerman | Oct 26, 2016 | blood pressure, build, cholesterol, diabetes, family history, insurance, life insurance, over 50 life insurance, over 60 life insurance, Type 2 diabetes

Ah, the joys of being somewhere post mid life and nearly as old as dirt. It seems that we get focused on the negatives like the aches and pains and trying to figure out if retirement is a gift or a joke, and we don’t take time to grab on to the big advantages...

Weight Loss Surgery Life Insurance View!

by Ed Hinerman | Mar 7, 2014 | Biggest Loser, BMI, build, doctor's recommendation, gastric bypass, impaired risk life insurance, insurance, life insurance, life insurance approval

As life insurance companies have turned in the direction of more conservative underwriting of build (height, weight, bmi), the last 10 years has seen them really embrace weight loss surgery for the morbidly obese. That sure wasn’t always the case with gastric...

Prudential Changes Stance On Obesity Life Insurance!

by Ed Hinerman | Dec 7, 2012 | BMI, build, height and weight, life insurance, life insurance approval, obesity

Prudential has long been our go to company for those whose weight just wouldn’t garner an approval from any other companies. It wasn’t preferred plus life insurance rates for overweight people, but it was an approval and it was the only place to find one in so...

The Hinerman Group

Ed HinermanMy 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

Hinerman Group
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Based on 26 reviews
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Joseph D'Angelo
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
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
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
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
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
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
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
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
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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  • Ed Hinerman on AOPA Raising Life Insurance Rates 30%!!
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  • Scott A. Olson on Life Insurance In A World Of Bundling!

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“I thought that most people with bipolar disorder were uninsurable regardless of any other factors. Fortunately, I came across Ed Hinerman’s website and contacted him. Ed was very knowledgeable and clearly very experienced in this area. He patiently explained that I actually had options and helped me get an excellent policy into place. Ed was very professional throughout the entire process and both my wife and I have been thoroughly impressed with him. He really helped our family and I would recommend Ed with great confidence.”

— Daniel, New York


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LATEST POSTS

Replacing Your Current Life Insurance Can Be A Smart Move

Apr 10, 2021

Why Would You Want To Replace Your Current Life Insurance? There is a mindset with life insurance that once you have it in place, don't mess with it. This is sound logic if you are satisfied with what you have and you know for a fact that it is the best product at the...

USAA Not The Best Choice For Life Insurance!

Nov 18, 2020

I first wrote this post five years ago in reaction to a client who had put their faith in USAA. They were a veteran and, after all, USAA makes much of being America's patriotic insurance company. Their experience with USAA was nothing short of insulting, not just to a...

Do You Trust Your Life Insurance Agent?

Nov 10, 2020

I wrote this post the summer of 2016, a much simpler time in our country. The problem I addressed then is still around and just adding to the challenges our nation faces. I am updating this post because the fundamental question of who you trust always needs to remain...

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