I also have PoserPro and I just check the settings for exporting a figure as an object.  As I understand it, you want to export the entire figure.  In the select object, make sure that all the body parts are selected.  Uncheck Universe and Ground.  Leave the Export Options the way it appears.  Click OK, then open your obj file in the Morphing application of your choice.  If you intend to load your new morphs as Morph Targets, then please check 'As Morph Target' when exporting. 

When you open your obj file in the new application program, the entire figure will load in.  Hope this helps.  Let me know if this is what you want.