NOAH

September 6, 2019

NOAH Soldier

NOAH Soldier?

This is a big group, and an honorable group, and a group that deserves your time and attention. Many carriers will offer VERY aggressive rates to active military personnel. And at least part of the reason is out of gratitude and respect—it’s one of only a few places where carriers respond not just with morality rates, but with a conscience.

Many active military automatically receive SOME life insurance while they remain ‘employed’, but it’s often not enough to take proper care of their family.

More importantly, most active military probably assume that they can’t get ‘civilian’ life insurance. But nearly all of them can—and again, at a competitive rate.

Carriers tend to view these risks quite differently, so do your homework.

Like other groups in the NOAH Program, military personnel talk to each other. They live
together. They work together. Their families eat and pray together. Finding them is easy.
Establish a connection. This is an ideal NOAH Program for those with their own personal military
background. That builds trust, almost automatically. Show them you understand, because
you’ve been there. Speak their language.
Reach out to the BENEFICIARIES, more than the insureds. Offer to help them review their
coverage, objectively, without obligation. They worry—so help them.
Build your own personalized assistance packet. Talk about the coverage they already have,
show them calculators to determine if it’s enough, and build a questionnaire, based on the
homework you’ve done.

H.D. Mooers can help.

Last time I checked…

www.lifeinsuranceforsoldiers.com wasn’t taken. So if you have some experience, can talk the talk,
and have a genuine desire to help these HEROES…..what are you waiting for?

Resources

Field Underwriting Guide

September 6, 2019

NOAH Police Officer

NOAH Police Officer?

Police officers put their lives on the line every day. They turn in to hostile situations. It’s their job to catch the bad guys, some of whom have guns.

Does that make them an increased risk for life insurance?

It sounds like it, but the real answer is NO. Virtually all of our carriers at H.D. Mooers and Company will write Best Class policies on cops, with very few exceptions.*

But guess who doesn’t always know that?

That’s right—the officers themselves. And perhaps more to the point, their spouses and families.

Spread the word. Do you know any cops? (Alas, I do, for all the wrong reasons, but that’s beside the point). Do you know anybody who knows any cops?
REACH OUT TO THEM. It’s true—the fact that they can qualify for the best underwriting category is a bit of a secret, unfortunately.
Talk to their spouses. It’s not easy being married to a cop, we’re told. There’s an element of fear there that isn’t attached to most occupations. YOU can help ease that fear when you tell them that according to the insurance companies, they’re not an increased risk.
These people talk to each other all the time. They have groups. They have meetings. Perhaps you could participate. Learn their language, learn their fears, and help them out.
Most police officers don’t have as much insurance as they should. Or want. Supplement that.

Last time I checked…

I just typed in www.termlifeforcops.com, and nothing came up.

*Exceptions sometimes include SWAT teams or those frequently in policy helicopters. But most of the time, we can write those, too.

Resources

Field Underwriting Guide

August 21, 2019

NOAH Scuba Diver?

My friend Monty is an avid SCUBA diver, and he’s constantly trying to get me to join him. Don’t get me wrong—I LOVE the ocean; I call myself the Sea King. Still, the thought of dressing up like a seal, and proactively choosing to load my body with weights so I can sink down to a shark’s living room has yet to appeal to me. But over a million people dive every year, and the vast majority of them can get an aggressive offer on life insurance. Creating a niche in this market is easy…..especially if you dive yourself.

Learn the guidelines. Carriers vary in how they underwrite SCUBA. Everybody wants to see certification and experience. But it goes beyond that—significant factors include average depth, maximum depth, frequency of dives, and the purpose of the dive. (Hint: diving alone, deep, at night, for treasure might be a problem.)
Find the groups and get involved. These clubs are everywhere. They meet all the time. Heck, go to Monterey for the day and look in the darn water.
Teach them. Many divers think they’re hobby means a good rate on life insurance can’t happen, but that’s simply not the case for the vast majority.
Build a personalized questionnaire. Become the expert, and you’ve built the niche. HD. Mooers can help.

Last time I checked…

www.lifeinsuranceforscuba.net* wasn’t taken. And we can steer you in the right direction when it comes to building a website.

*(like how we changed it from “.com” to “.net” there? You know, for the whole fish connection?)

UNDERWRITING NOTES:

Most average, recreational divers are Standard or better risks.

Rating $2.50/1000 to decline: Depending on the combination of depth (>120 feet), experience and technical diving SCUBA history combined with medical ratings >200% due to CAD, cerebrovascular disease, obesity, respiratory disease, and psychiatric illness are usually declined

Resources

Field Underwriting Guide

Prudential Guide