 Department of Motor Vehicle
File # 10596
Male, 30 years old
$1,000,000 coverage, 30-year term
Was declined, elsewhere
Lifestyle Issues- Foreign travel - Israel, 9 visits in the last 5 years
Legal Issues- Citizenship - citizen of Israel - in the USA with a Green Card
- Department of Motor Vehicle Record - 1 speeding ticket in the last 5 years
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File # 10595
Female, 31 years old
$500,000 coverage, 30-year term
Was declined, elsewhere
Health Issues- Cancer - Osteoblastoma, benign tumor in pelvic bone - diagnosed and removed 3 years ago, no recurrence
- Family History of Cancer - sister, breast cancer at age 31 - mother, breast cancer at age 29, died at age 41
- Pregnancy - currently 5 months pregnant
Lifestyle Issues- Foreign travel - Israel, 9 visits in the last 5 years
Legal Issues- Department of Motor Vehicle Record - 1 traffic ticket in the last 5 years
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File # 10590
Male, 39 years old
$500,000 coverage, 30-year term
Health Issues- Liver problems - hepatitis a, diagnosed and cured 3 years ago
- Drinking Alcohol - currently 2 or 3 drinks every week
Lifestyle Issues- Foreign travel - Canada and Europe, twice every year - history of travel to Mexico
Legal Issues- Department of Motor Vehicle Record - 3 speeding tickets in the last 10 years
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File # 10580
Male, 30 years old
$1,500,000 coverage, 20-year term
Health Issues- Substance Abuse - currently smoking marijuana once every month, and has done so for the last 5 years
- Drinking alcohol - currently drinking approximately 6 drinks every week
Lifestyle Issues- Rock climbing - 2.5 years of experience - indoor climbs, approximately 6 times every month - outdoor climbs, 1 or 2 times every month - climbs are moderate degree of difficulty - plans to reach 500'
- Auto Racing - 5 years of experience - Mustang racing, plans to race 3 times in the next year
Legal Issues- Department of Motor Vehicle Record - 1 traffic ticket in the last 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 # 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 # 10576
Male, 25 years old
$300,000 coverage, whole life
Health Issues- High cholesterol (ldl cholesterol) - currently not controlled with medication
- Drinking alcohol - currently 3 or 4 drinks each week
Lifestyle Issues- Foreign travel - history of travel to England and Europe
Legal Issues- Department of Motor Vehicle Record - 3 speeding tickets in the last 5 years
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File # 10527
Male, 42 years old
$200,000 coverage, 20-year term
Health Issues- Seizure disorder (epilepsy) - diagnosed 9 years ago, caused by concussions related to Army service - 5 gran mal seizures, less than 1 each year - 2 or 3 petit mal seizures each month - 11 hospitalizations, on outpatient basis - currently treated with medication
- High blood pressure (hypertension) - currently treated with medication
- Polyp on vocal chord - removed 3 years ago, and nothing returned
- Family History of Cancer - father, died from hip-related cancer at age 52
- Family History of Diabetes - mother, developed diabetes at age 65
Medications- Did use Depakote, Dilantin, and Tegretol
- Now uses Benicar and Lamictal
Legal Issues- Department of Motor Vehicle Record - 1 traffic ticket in last 2 years
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File # 10524
Male, 50 years old
$200,000 coverage, 15-year term
Health Issues- Anxiety and Depression - diagnosed 23 years ago, hospitalized for 2 weeks to treat with medication - hospitalized again, 22 years ago, to adjust medication - currently treating with medication
MedicationsLegal Issues- Department of Motor Vehicle Record - 2 traffic tickets in the last 5 years
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File # 10509
Male, 67 years old
$50,000 coverage, Low-priced Universal Life
Health Issues- Cancer - basil cell carcinoma (type of skin cancers) - removed 18 years ago - no recurrence or subsequent treatment
- Digestive disorders - Crohns Disease, diagnosed 30 years ago - bowel resection, 7 years ago
- High cholesterol (ldl cholesterol)
- Family History of Cancer - father, died at age 50 from lung cancer - brother is alive, developed prostate cancer at age 63
Medications- Cortizone, Lipitor, and Sulfadine
Legal Issues- Department of Motor Vehicle Record - 2 traffic tickets in the last 5 years
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File # 10574
Male, 52 years old
$250,000 coverage, 15-year term
Health Issues- Heart problems - irregular readings on prior electrocardiogram (ECG)
- High blood pressure (hypertension) - currently treating with medication
- Tobacco - currently smoking cigars
- Drinking alcohol - currently drinks 3-4 beers every weekend
- Family History of Cancer - father, died of lung cancer at age 75
- Family History of Diabetes - father, diagnosed with diabetes at age 60
- Family History of Heart Conditions - mother, heart disease, heart attack at age 56
- Family History (Other) - mother, died of complications from Lupus
Medications- Uses medication for high blood pressure
Legal Issues- Department of Motor Vehicle Record - 1 traffic ticket in last 10 years
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File # 10535
Male, 51 years old
$100,000 coverage, 20-year term
Health Issues- Liver problems - hepatitis c - client feels he was infected by mass innoculations during military service or through a tattoo, both 30 years ago - last biopsy was 2 years ago - underwent partial combo treatment, not successful - currently hepatitis c positive with elevated liver enzymes
- Drinking alcohol - currently drinking 1 glass of wine per month - was a heavy drinker, 10-15 years ago
- Family History of Diabetes - father is alive, developed diabetes in his late 60s
Legal Issues- Department of Motor Vehicle Record - 1 DUI ticket, 30 years ago
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File # 10531
Male, 48 years old
$750,000 coverage, 10-year term
Was declined elsewhere
Health Issues- Liver problems - hepatitis c, diagnosed 20 years ago - client feels he was infected through drug abuse - last biopsy, 2 years ago - treatment with interferon, not successful - currently hepatitis c positive
- Anxiety and Depression - diagnosed 9 years ago
- Suicide Survivor - suicide ideation 9 years ago, resulting in hospitalization for 3 weeks
- Substance Abuse - history of drug abuse, but none used in last 20 years
- Drinking alcohol - recovering alcoholic, sober for last 20 years - attends AA meetings
- Family History of Cancer - mother, died of cancer of the heart muscle at age 73
- Family History of Heart Conditions - mother, died at age 73
MedicationsLifestyle Issues- Foreign travel - Cancun once each year
Legal Issues- Criminal Record - indicted on drug related charges 14 years ago, but all charges were later dismissed
- Department of Motor Vehicle Record - 1 speeding ticket in the last 5 years - 1 DUI ticket, 23 years ago
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File # 10518
Male, 51 years old
$250,000 coverage, 20-year term
Health Issues- Liver problems - hepatitis c, diagnosed 4 years ago - patient thinks infection occured 30 years ago, through heroin abuse - underwent 6 months of interferon treatment, not successful - currently hepatitis c positive
- Kidney stones - 5 or 6 years ago
- Drinking alcohol - currently drinking 2 glasses of wine each weekend - was drinking 1-2 glasses each day, until 4 years ago
- Substance Abuse - heroin addiction, none used in last 23 years - marijuana addiction, none used in last 15 years
- Family History of Cancer - mother, throat cancer at age 74
Lifestyle Issues- Pilot license - Instrument rated - FAA certification, medical - just under 500 total hours
- Foreign travel - Bahamas, 2 or 3 times each year
Legal Issues- Department of Motor Vehicle Record - 2 speeding tickets in the last 5 years
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File # 10505
Male, 40 years old
$250,000 coverage, 20-year term
Health Issues- Drinking Alcohol - 5 beers per week
- Substance Abuse - Cocaine addiction, completed a treatment program
Legal Issues- Department of Motor Vehicle Record - suspended license and driving on a suspended license
- Criminal Record - charged with felony possession of cocaine - convicted of misdemeanor possession of toxic substance - arrested for carrying a concealed weapon
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Standard Non-smoker Simplified Issue with No Exam
File # 10534
Female, 50 years old
$75,000 coverage, whole life
Was declined elsewhere
Health Issues- Drinking alcohol - attended an Alchol Treatment Center for 3 months, then again for 5 months, graduated 3 years ago - however, client is currently drinking 5 or 6 times per week
- Tobacco - currently smoking 1 pack per day
- High cholesterol (ldl cholesterol)
- High blood pressure (hypertension) - currently treating with medication
MedicationsLegal Issues- Department of Motor Vehicle Record - 2 DUI tickets, 4 years ago - temporarily suspended license
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Standard Non-smoker with graded benefit
File # 10529
Female, 34 years old
$50,000 coverage whole life and $100,000 coverage 10-year term
Health Issues- Cancer - breast cancer - full mastectomy, 3 years ago
- Cancer - lung cancer, diagnosed 1 year ago - removed lower half of lung
MedicationsLifestyle IssuesLegal Issues- Citizenship - citizen of Japan - in the USA as a permanent resident alien
- Department of Motor Vehicle Record - 1 speeding ticket
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