Hinerman Group Helps Navigate 

All Your High Risk Life Insurance Needs

Just the term Life Insurance opens a boatload of questions. Why life insurance? When life insurance? How much life insurance? What kind of life insurance?

The why life insurance is a simple concept. If you were to die and leave a financial mess behind, you should have life insurance. If your family is dependent on your income you should have life insurance to fill the shortfall. If your business or partnership is dependent on you, you should have life insurance to cover your business so it doesn’t fail due to a lack of YOU.

You should consider buying high risk life insurance (when) as soon as you recognize a need as described above. When you get married, have children, take out a business loan or start a partnership. If you consider this reality it makes it clear why you shouldn’t wait for a term life insurance policy. There isn’t one of you who hasn’t had a friend or family member die prematurely and unexpectedly. We don’t know when our time is up so if you have responsibilities, don’t put it off.

How much is something we can discuss and look at from several different angles. I caution my clients that budget can and it most cases should be a critical factor. If it doesn’t fit comfortably in your budget and things get tight it, the life insurance is often lapsed. If it means you consider less life insurance than you might want, well, something in force is always, always better than nothing.

There are several kinds of high risk life insurance: Term, universal life and whole life. There are some cash value products out there that promise to make you wealthy, and they don’t. I can tell you more about those pitfalls when we talk. Almost all life insurance needs are well served by term life insurance policies. It is the least expensive way to own high risk life insurance and with guaranteed level terms going out as far as 40 years, it’s unlikely it won’t meet all of your family and business needs.

I look forward to answering your questions and working with you no matter what your health or financial position is.


Contact Hinerman Group for         

 Insurance Quotes (including High Risk) You Can Trust

The Hinerman Group Helps You Protect Your Family

Even when you have been denied before

The Hinerman Group specializes in making sure you are covered even when it looks like that may not happen. Here are some situations where can help you become insured, whether you have been denied before or not. 


HIV Life Insurance

Because HIV treatment has been so successful, a significant quantity of people currently infected will be able to qualify. The Hinerman Group has been at the forefront of providing HIV insurance for years.


Epilepsy and Seizure Disorder

Seizure disorders and epilepsy can be a real challenge when it comes to buying life insurance, but within certain guidelines there are good rates available. Call The Hinerman Group to see what your options are.

Prostate Cancer

There are now good life insurance rates for Prostate Cancer regardless of the medical direction you and your Doctor go for treatment. The Hinerman Group will help you secure the best coverage to protect your family.

Don’t Miss The Hinerman Group Blog!

Ed’s goal for you is to protect your family and loved ones no matter your risk profile and situation. A nationally acknowledged expert in High Risk Life Insurance, the Hinerman Group has the answers you need. Read our blog to learn more about the Insurance Industry and the specific situation you face today.

More questions? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life. Occasionally Ed receives postcards from new waters and pictures of grandfish.

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.

Let’s get together and get it done right for you and your family!