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...
Answering COVID-19 Life Insurance Questions!
Where We Were Yesterday Yesterday I broke ground on several subjects that are on the minds of many about life insurance. I talked about the solid ground that life insurance companies are on financially and I talked about the challenges and solutions they, and you, are...Does Life Insurance Still Work With COVID-19?
Are Life Insurance Companies Capable Of Handling A Pandemic? These are certainly crazy times and the truth is we don’t know how bad things will get or when this will resolve and life will begin to return to normal. I had a customer call a few days ago asking if...Buying Life Insurance With Heart Disease Or Other Cardiac Issues
Can I Get Life Insurance With A Heart Condition Or Heart Disease If you haven’t personally experienced the trauma of a heart attack or being told that you have a life changing heart condition, like me, I’m sure you know someone who’s had one of those...Should You Buy Guaranteed Issue Life Insurance?
The definition couldn’t be much simpler. Guaranteed issue is a life insurance policy that the company guarantees it will issue and put in force no matter what health conditions you have. Some guaranteed issue life insurance companies have age limitations. Most...Is Replacing Life Insurance A Bad Idea?
Why would you replace one life insurance policy with a new one? There are some important and ongoing questions when you own life insurance like does the policy meet your needs and Is the policy affordable? These are questions that should both elicit a yes answer when...How Does Marijuana Use Affect Life Insurance Rates?
The Overview Up until about six years ago life insurance companies that would approve someone who admitted smoking pot, approved them at the same smoking rates that applied to cigarette smokers. There wasn’t a lot of underwriting logic to that decision other...What Can You Do About Being Declined For Life Insurance?
Are you blackballed when you are declined for life insurance? In the 18th century blackballing was simply voting using a black versus white ball. In more recent times it came to mean a removing someone from consideration. Being blackballed Is serious stuff no matter...When Can A Cancer Survivor Get Life Insurance?
Can you get life insurance after completing cancer treatment? I wish the answer to that question was always yes. Since it’s not, let’s talk about the criteria that need to be met in order to get life insurance after completing cancer treatment. Most...Life Insurance After A Heart Attack Or Cardiac Procedure
Is there a 5 year waiting period for life insurance approval? The answer to that question may have been yes at some point in life insurance history with some companies but not in the last 20 years and not with the companies I represent. It is more likely that this 5...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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