The Hinerman Group is a life insurance agency that specializes in providing coverage for individuals who have been declined or rated by other insurance companies. With over 20 years of experience, the Hinerman Group has built relationships with underwriters to find the best life insurance solutions at affordable rates. They offer a variety of life insurance options, including level term life insurance, universal life insurance, whole life insurance, and return of premium life insurance. The Hinerman Group prides themselves on their fantastic service and personalized approach to ensure customer satisfaction. To get started on an impaired risk life insurance policy with affordable rates, customers can request a free consultation online or call the agency directly.