 Better than Standard Non-smoker
File # 10598
Male, 46 years old
$500,000 coverage, 20-year term
Was declined, elsewhere
Health Issues- Digestive disorders - pre-ulcers or small erosions, diagnosed 10 years ago, and was successfully treated with antibiotics - no recurrence
- Liver problems - hepatitis b, diagnosed 30 years ago, resolved on its own - hepatitis c, diagnosed 6 years ago, no treatment, currently hepatitis c positive
- Drinking Alcohol - currently drinking infrequently
- Family History of Cancer - mother, cervical displacia (abnormal cells) in mid 50s
- Family History of Heart Conditions - father, bypass surgery at age 72
Lifestyle Issues- Foreign travel - Mexico every 5 years
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File # 10582
Male, 36 years old
$750,000 coverage, 20-year term
Health Issues- High cholesterol (ldl cholesterol) - currently treated with medication
- Anxiety and Depression - diagnosed 8 years ago - currently treating with medication
- Drinking alcohol - approximately 3 drinks every week
- Family History of Cancer - father, prostate cancer at age 70
Medications- Did use Paxil
- Now uses Effexor, Lipitor, and Prevacid
Legal Issues- Department of Motor Vehicle Record - 1 traffic ticket in the last 10 years
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File # 10569
Male, 40 years old
$500,000 coverage, 20-year term
Was rated elsewhere
Health Issues- Diabetes Type 1 - diagnosed 16 years ago - currently treated with medication
MedicationsLifestyle Issues- Foreign travel - vacation in Austria, every 1 or 2 years
Legal Issues- Department of Motor Vehicle Record - 3 speeding tickets in the last 5 years
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File # 10536
Female, 32 years old
$1,000,000 coverage, 30-year term
Health Issues- Asthma - diagnosed 27 years ago - initially hospitalized as a child, when oxygen was needed - no more hospitalizations or oxygen needed after moving west, 20 years ago - occasionally suffers from chest colds which causes the asthma to flare up, roughly once per year, which is treated with medication
- Bulimia Nervosa - diagnosed 15 years ago - inpatient hospitalization - was treated with medication for 1 year
- Anxiety and Depression - diagnosed 10 years ago - currently treating with therapy and medication
- Thyroid disorder - underactive thyroid, diagnosed 3 years ago - currently treated with medication
Medications- Did use Prozac
- Now uses occasional meds for anxiety and depression
- Also uses Cytomel, Singulair, and Synthroid
Lifestyle Issues |
File # 10533
Male, 35 years old
$1,000,000 20-year term
Was declined 2 times, elsewhere
Health Issues- Anxiety and Depression - diagnosed 11 years ago - currently treated with medication
- Drinking alcohol - recovering alcoholic, sober for almost 3 years - attends AA meetings, personal therapy, and marital therapy
- Digestive disorders - peptic ulcer, due to taking anti-inflammatory medication
- Carpal-tunnel syndrome
- Family History of Heart Conditions - father is alive, had bypass surgery at age 55
Medications- Did use Paxil and Zoloft
- Now uses Ambien, Celexa, and Omeprazole
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File # 10525
Male, 42 years old
$250,000 coverage, 20-year term
Health Issues- Substance Abuse - marijuana, none used in 2 years
- Drinking alcohol - currently an occasional drinker
- Tobacco - currently smoking half a pack per day
Legal Issues- Criminal Record - 2 drug convictions in last 20 years - served 1 year in prison, for drug possession, released 3 years ago - currently not in prison
- Department of Motor Vehicle Record - currently suspended license, for past 8 years - violations include speeding tickets, driving on a suspended license, and not paying charges
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File # 10521
Female, 51 years old
$200,000 coverage, 20-year term
Was declined elsewhere
Health Issues- Heart problems - mitrovalve prolapse, diagnosed 20 years ago, takes antibiotic at the dentist
- High cholesterol (ldl cholesterol) - diagnosed 4 years ago - treating with diet and exercise
- High blood pressure (hypertension) - diagnosed 3 years ago - currently treating with medication, since 1 year ago
- Digestive disorders - diverticulitis, diagnosed 2 years ago - currently treating with diet and lifestyle management
- Hysterectomy - uterus dropped - surgery performed 4 years ago
- Antinuclear Antibodies - an indication of possible autoimmune illness - no treatment
- Family History of Heart Conditions - mother is alive, 2 heart attacks in her 30's
MedicationsLifestyle Issues- Beneficiary is a domestic partner - female significant other
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File # 10517
Male, 49 years old
$1,500,000 coverage, 20-year term
Was declined elsewhere
Health Issues- Cancer - melanoma (type of skin cancers) - removed 3 years ago - no recurrence
- High blood pressure (hypertension) - treated medically during the last year
- Gout arthritis, diagnosed 2 years ago
- Drinking alcohol - tested positive for alcohol markers, during recent exam
Medications- Allopurinol (Allopurinal), Prinivil, and Viox (Vioxx)
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File # 10513
Male, 39 years old
$1,000,000 coverage, 20-year term
Health Issues- Seizure disorder (epilepsy) - diagnosed 26 years ago - 5 gran mal seizures - 6 petit mal seizures, each year - client feels the seizures are usually triggered by conditions of fatigue and hunger
- Drinking Alcohol - usual history is 2 drinks each weekend, but no alcohol in recent months since his last gran mal seizure
- Family History of Cancer - father, died of lung cancer in his 60's
- Family History of Heart Conditions - father, developed heart disease in his 50's
Medications- Dilantin and Tegretol (being switched to Depakene and Zarontin)
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File # 10503
Female, 54 years old
$1,000,000 coverage, 20-year term
Health Issues- Systemic scleroderma and connective tissue disease
- Raynaud's
- Thyroid disorder - Hashimoto's Thyroiditis
- Fibrosis - on bases of both lungs
- Insomnia - severe
- Bladder disease - bladder surgery and DMSO treatments to stabilize interstitial cystitis over 2 years ago
- Weight and build, overweight - Height 5'3", Weight 230 lbs
Medications- Plaquenil and Hydrochlorothiazide as needed for diuretic
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File # 10501
Male, 35 years old
$1,000,000 coverage, 20-year term
Was declined elsewhere
Health Issues- Liver problems - elevated liver enzymes and fatty liver - diet and exercise have lowered enzymes to normal range
- Family History of Cancer - mother is alive, developed breast cancer at age 47 - father is alive, developed basil cell cancer in his 60's
Lifestyle Issues- Foreign travel - London, Italy, France
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