The answer is nothing. Any company or agency that requires money with the application is simply using a psychological ploy to make you feel more committed to them than you need to be. Don’t pay for anything until you have a policy in your hand and you are sure it’s what you want to put in force. We believe in showing you that we can come through for you before you pay a dime, and then it goes to the insurance company, not Hinerman Group.
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!