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....
Gestational Diabetes Impact On Life Insurance
It’s been 10 years since I wrote this post. A lot has changed in how life insurance companies view gestational diabetes. Some worse and some in the right direction. I hope bringing this up to date will be helpful. All the best. What’s The Fuss Over...Breast Cancer Life Insurance Underwriting
I wrote this post about 10 years ago. That was just a few years after my mother went through diagnosis and treatment for breast cancer and it gave me a whole new awareness of the aspects like stage and grade and treatment options. I hope updating the information (and...How Life Insurance Needs Change As We Age!
This was first written back in 2011 and, strangely, the older I get the more it makes sense. I thought I would dust it off and see if could have some rewritten value added for you. All the best. Nothing Else Is The Same At 60 As It Was 30! Why Would Life Insurance Be...Annoying Life Insurance Sales
I wrote this post early last year, but just had an experience that inspired me to update the post and bring a little information to the table. Shopping For Life Insurance Can Be OK Or Seriously Annoying. Why? In life insurance it isn’t even like those incessant...AOPA Raising Life Insurance Rates 30%!!
AOPA Bails On Competitive?? Life Insurance For Pilots Aircraft Owners and Pilots Assocation, AOPA, has offered group life insurance for pilots for a long time. I know they have for at least the last 20 years since I’ve been competing with them for life insurance...Top Ten Independent Life Insurance Agents In The Country
If you look that up on Google, on the first page, all of the offerings are about life insurance companies (top 10 companies). There is one that talks about 13 agents who wrote monster life insurance policies. But, let’s consider what you would want if you...Quotacy Life Insurance Reviews: Bait And Switch A La Carte!
A la carte means you get what you want and Quotacy is one of the stand out life insurance quote offerings that gives it to you – not the way it really is, but the way you want it. They have taken the art of life insurance bait and switch to its simplest and most...Key Person Business Life Insurance
For the next few weeks I am going to pick apart and try to make sense of business life insurance in all of its’ different forms. Just like personal life insurance, business life insurance is meant to take the burden off of a company in the same way that personal...Will Your BNP Result In A Life Insurance Decline?
So, BNP (natriuretic peptide). What the heck is it? In layman’s terms (so I can understand it), BNP is a protein release by the heart that could indicate congestive heart failure. But listen up all of you life insurance underwriters……It could mean...Did Your Doctor Really Say That?
If the Wall St Journal was doing an article on life insurance applications and how underwriters interpret your medical records they would have their hands full. Without exaggerating most medical records contain errors and ambiguous notes. To be fair to the...Great Life Insurance Deals You Haven’t Heard About!
It’s what we’re all looking for when we finally get around to the task of acquiring life insurance, a great deal. For each of us that can be defined differently. For many of my clients just finding a company that will approve a life insurance policy is a...Huge Life Insurance Meltdown!
The Wall Street Journal recently posted an article titled, “Universal Life Insurance, a 1980s Sensation, Has Backfired”. Now I have become keenly aware over the years that very few people really take my blog to heart unless the run into a post that is an...US Companies Hit All Time Low With Foreign National Life Insurance!
I am still shaking my head over the news I got today from the last bastion of reasonable foreign national life insurance underwriting. Most US life insurance companies had gone south in this niche a few years ago, heading their life insurance guidelines for foreign...Major Breakthrough Foreign National Life Insurance
The picture keeps getting brighter for the four categories of international and foreign national life insurance. The first is Americans living abroad, whether ex-patriots, missionaries or retirees. The second is foreign nationals living in the US who are still...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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