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Home » reinstatement

Lapsed Life Insurance!

by Ed Hinerman | Oct 24, 2016 | grace period, insurance, lapse, life insurance, life insurance lapse, past due life insurance premium, reinstatement

With the exception of those who are just gifted with bill paying prowess and those of us who take the chicken route of putting our life insurance on an automatic bank draft, at some point the others have a good chance of having their life insurance lapse. A life...

The Costly Tragedy Of Missing A Life Insurance Premium

by Ed Hinerman | Jun 26, 2012 | death benefit, incontestability, insurance, lapse, life insurance, life insurance claim process, reinstatement

With the possible exception of AARP, life insurance companies truly go out of their way to make sure every legitimate life insurance claim is paid and if the legitimacy of the claim is in a gray area, could really be seen both ways,  they will almost always come down...

10 Question Pop Quiz On Your Term Life Insurance Policy!

by Ed Hinerman | Jan 5, 2012 | accelerated death benefit, conversion, insurance, lapse, life insurance, reinstatement

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...

Do You Have A Second Addressee For Your Life Insurance Bill?

by Ed Hinerman | Jan 4, 2012 | business life insurance, buy/sell life insurance, death benefit, insurance, lapse, life insurance, reinstatement, senior life insurance

Did you know that you have the right to name a second person to receive bills and notices for your life insurance policy? I have no idea what the number really is, but I am betting the number of death benefits that aren’t paid every year due to a policy lapsing...

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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

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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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“I had been declined so many times that I had frankly given up trying to get life insurance. I felt like all insurance companies had a common toilet they were throwing type 1 diabetic applications into. A friend told me about Hinerman Group and Ed was able, on the first try, to get me approved and approved and reasonable rates. He’s different. He knows what he’s doing and he does it well.”

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LATEST POSTS

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...

Declined For Life Insurance? How To Change That!

Nov 3, 2020

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 worrisome...

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