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....
What is Level Term Life Insurance?
Level term life insurance is a type of life insurance that lasts a predetermined number of years (the “term”) and is fairly straightforward. Under a level term life insurance policy, you pay premiums for coverage and the insurer provides a death benefit to...When Business Life Insurance Is Hard To Get!
I wrote this post 4 years ago and there have been changes in business life insurance and specifically the SBA requirements, so here’s an update. Hope it helps. All the best. Business Life Insurance Proving Hard To Get? Let’s Change That Just because...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...SBA Loan Requirement For Life Insurance
It’s Not Even In The Fine Print! There actually isn’t any fine print in the SBA loan requirements, so rest easy. I mean really rest easy, as in sitting in your favorite chair and settling in to read the 388 page guide to securing your SBA loan. I...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...Replacing Your Current Life Insurance Can Be A Smart Move
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...USAA Not The Best Choice For Life Insurance!
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...Do You Trust Your Life Insurance Agent?
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...Declined For Life Insurance? How To Change That!
I wrote this post 4 years ago today and it could use updating and clarification. So, here I go, on task and laser focused, sort of…All the best. What Does Being Declined Mean? For those applying for life insurance there is nothing more disconcerting and...Five Points About Heart Issues And Life Insurance!
I wrote this post three and a half years ago and there have been several positive changes in the life insurance underwriting of heart disease and heart disorders. I hope the updated information below will give you the answers you need about how to acquire life...The Changing Face Of Those With Life Insurance!
I wrote this post 8 years ago and now we are in a pandemic and life insurance is starting to come into focus for a lot of people, so thank you for accepting this update. All the best. The Way It Was! My Dad died 11 years ago this month at age 84 and had a total of...Paying Too Much For Your Life Insurance?
I wrote this nearly 4 years ago and on review there are a number of points that need updated, so here you go. Do You Really Have The Best Price On Your Life Insurance? There are a number of ways you can end up paying too much for your life insurance like 1. Not all...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...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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