The Hinerman Group specializes in providing high-risk life insurance policies to individuals who have been declined or rated by other insurance companies. They offer a variety of options, including level term life insurance, universal life insurance, whole life insurance, and return of premium life insurance. The company has over 20 years of experience and works with underwriters to find the best life insurance solution at affordable rates for their clients. Their goal is to ensure customer satisfaction by providing excellent service and personalized assistance throughout the process. Customers can request a free consultation or contact the company online or by phone to get started on obtaining an impaired risk life insurance policy with affordable rates.