Diabetes Awareness Month
In August of 2005, my father, Don Mooers, died from complications of diabetes. Prior to that, I had the honor and privilege to work side-by-side with him for 15 years. He was sick for all of them—in and out of ICU, a prosthesis, a glass eye, a kidney/pancreas transplant. He remains my hero, and the bravest […]
I’m Hooked
I love fishing so much it’s weird. I was in a fly-fishing shop a while back, discussing this mutual addiction with the shop owner. “Heck, I’d fish in a bucket before I quit fishing,” he said. My people. Our business is a lot like fishing, and thankfully for both of us, I won’t wax on that […]
MOOCOW: the serial Crossfit lunatic
This week’s MOOCOW is Michael K. Michael is 37 years old, and, quite literally, a marathon runner, and a serial Crossfit lunatic. He did his exam on March 16—literally the FIRST DAY of our county’s ‘stay at home’ status. So what you might call a stressful time. His Blood Pressure readings were high, so he got a […]
It’s a WE thing
This case started way back in September. Of Two Thousand Eighteen. Gas was $2 a gallon. Pet Rocks were all the rage. And Gena Wallis of Wallis Employee Benefits in Palo Alto—who is an absolute ROCK STAR—requested a quote for some Key Man coverage to support a “recently completed Series B funding round”. We love these cases—the buyer is motivated, […]
NOAH Scuba Diver?
So my buddy Monty just got approved at Standard Plus Nonsmoker with Prudential. He’s buying $500k of 10yr term. He’s 52. The premium is less than a hundred bucks a month. Gauging all the work I put in, I guess I’m basically breaking even on the deal. So why am I SO EXCITED I CAN […]
In honor of Breast Cancer Awareness Month
In honor of Breast Cancer Awareness Month, H.D. Mooers brings you what just might be our favorite case. Ever. A young (24), single female student—we’ll call her Amanda– applied for some life insurance. We weren’t sure why, frankly.
We Treat You Life Family
We Treat You Like Family (in a good way, I mean). Because sometimes, you are. Got this one approved the other day, which is nice, seeing as how the application was signed in March. First, it was declined for financial justification, but we got creative and worked through that. The underwriter asked for a missing […]
Our Favorite Case of the Year
This one was downright FUN. Chris is an extremely healthy and successful Silicon Valley executive. His Start Up company is poised to change his industry forever—it just hasn’t happened yet. The company wanted a $6M Key Man policy.A brief history of some of the hurdles we overcame: He likes to do “poker runs”, where he and his […]
Diabetes
When it comes to underwriting diabetics, it’s ALL about CONTROL. There are many contributing factors, but control is the most important, by a long shot. And that control is measured by the “A1C”. Think of it this way—an average glucose reading is like a snapshot—a GIF, I guess—while the A1C is more of a video. […]
The Same But Different
Ann and Mark are brother and sister. Here’s how they’re alike: They both live in Tahoe. I am jealous of this. Their dad bought them both Whole Life Policies. In 1973. Premiums on these policies were either paid, or they weren’t. Today, each policy has about $300k of benefit, with about $130k in Cash Value. Here’s […]