The Hinerman Group is a life insurance agency that specializes in providing coverage for individuals who have been declined or rated by insurance companies. With over 20 years of experience, the agency has developed relationships with underwriters to find affordable rates for their clients. They offer a range of life insurance options, including level term life insurance, universal life insurance, whole life insurance, and return of premium life insurance. Whether you have health issues, work in a high-risk occupation, or are over 50 years old, the Hinerman Group can help you get the coverage you need at fair rates. They prioritize customer satisfaction and provide personalized service to ensure their clients are happy with their life insurance policy. Contact them for a free consultation or online quote.