Lifestyle

January 21, 2020

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 BARELY CONTAIN MYSELF???

I just got a Standard Plus Nonsmoker rate on a guy who:

Vapes
Has a cancer history
Is one heavy dude
SCUBAs like a FISH

So I went all NOAH PROGRAM* with him. I asked him about the Sea Monkeys, his dive club. I’m going to present “Life Insurance for SCUBA Divers” at his upcoming meeting. Not only that, the club is marketing my attendance in the hope of getting more people to attend.

I will present, not as a SCUBA expert (the entire notion scares the daylights out of me), but as THE EXPERT in the field of SCUBA underwriting.

Let that “SINK” in.

YOU CAN DO THIS TOO.

Check out NOAH

August 16, 2019

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 friends take their super-fast speed boats out on the open water in what can be defined as races.
He likes to SCUBA in places like Thailand, French Polynesia, the Caribbean, Micronesia, and Fiji. (I’ve never even HEARD of some of those).
He had a “whole in his heart” fixed LAST YEAR.
Oh, and the company is ‘losing’ millions of dollars a year.

But we pushed, and pushed, and pushed. Working closely with the agent AND the client, we uncovered more and more financial information, and went back to the underwriter no fewer than 6 TIMES before she changed her mind. We put the policy in force, at a Preferred Non Smoker rate.

HD Mooers and Company is a small agency. It’s what makes us BETTER. We will do WHATEVER it takes to place your case.

April 22, 2018

We Delivered, Now So Can She

Here’s some of a recent email she sent me-an email with the Subject of “Life Insurance for the most dangerous country on earth”:

I have a tricky situation for you. I need to get life insurance for my sister-in-law, but currently she is here on a visa and is still a citizen of El Salvador. When I tried several years ago to get life insurance for my father-in-law who is here on the same type of permit, even though they have all been here for over 20 years, there didn’t seem to be a carrier willing to write coverage for someone with Salvadoran citizenship. Any chance you would have any carriers that would take this on nowadays? I don’t even care how expensive it is (well, okay, that’s a lie), but I legally have to find coverage for her somehow because she is going to be carrying my baby very soon. Yep, you read that correctly! Any help you can provide or any direction you can point me in would be much appreciated.

We then found out that her visa is the “temporary protected status” that was cancelled in January. So her status is stable here until September 2019 when she’ll be forced to return to “that sh**hole country”.

Thanks to our friends at Prudential, we were able to issue a Best Class policy. I’ve never been so proud and excited to deliver a $269 annual premium, ever.

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