Writing life insurance for the young and healthy is a shockingly easy job. The Hinerman Group has chosen to take the road less traveled and focus on the business that most agencies igore or run from, known in the business as impaired risk business. In a nutshell, we specialize in helping those whose very lives have been faced with health issues such as prostate cancer overcome the challenge of finding fair and affordable life insurance.
In order to succeed for you we have spent countless hours learning about the disease, participating in discussion groups and working with the life insurance companies to understand how they view prostate cancer and how we can work with them to influence the underwriting that will ultimately decide the rate you pay. We have teamed up with Special Risk Services to ensure that we are always on the cutting edge of underwriting changes an have the chance to provide input to insurance companies on the needs our clients are trying to meet
There was a time when it was rare to know someone who has or had prostate cancer. Today it is rare not to know someone who has been affected by the disease either personally or by a family member having battled it.
With regular checkups, prostate cancer is ultimately curable about 90 percent of the time. Treatment has advanced and combined with early detection, prostate cancer does not have to be a showstopper. You won the first battle. To ensure that your battle with cancer does not carry over into a battle for affordable life insurance, you need an experienced, dedicated advocate in the business.
The Hinerman Group is that advocate. They are second to none in the business in getting the job done and making you the winner for a second time.
