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