 Drinking Alcohol
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 # 10572
Male, 42 years old
$1,000,000 coverage, 20-year term
Was offered Standard elsewhere
Health Issues- Beta thalassemia minor - blood disorder that causes mild anemia - no current treatment
- Substance Abuse - history of marijuana use, but none used in last 20-25 years
- Drinking alcohol - currently drinking twice each week, beer or hard liquor
Lifestyle Issues- Foreign travel - history of travel to New Zealand, Belgium and Germany
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File # 10568
Male, 34 years old
$250,000 coverage, 20-year term
Was declined 2 times, elsewhere
Health Issues- Drinking alcohol - recovering alcoholic, sober for 5 years
- Anxiety and Depression - diagnosed as manic depressive, 5 years ago
- Weight and build, large build - Height 6'3" Weight 260 lbs
- Family History of Cancer - mother, cancer in her 40s
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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 # 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 # 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 # 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 # 10515
Female, 44 years old
$100,000 coverage, Low-priced Universal Life
Health Issues- Liver problems - hepatitis c, genotype 1A, diagnosed 4 years ago - patient thinks infection occured 30 years ago, through drug abuse as a teenager - no treatment attempted - currently hepatitis c positive
- Substance Abuse - history of drug abuse, but none used in last 25 years
- Drinking Alcohol - 1 drink every two weeks
- Family History of Heart Conditions - father is alive, triple heart bypass at age 62
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File # 10579
Male, 38 years old
$300,000 coverage, 20-year term
Was declined elsewhere
Health Issues- Digestive disorders - Crohns Disease, diagnosed 2 years ago - currently treating with medication
- Drinking alcohol - currently drinks 1 beer and 5 glasses of wine every week
MedicationsLifestyle Issues- Foreign travel - history of travel to Barbados, England, and the Caribbean - plans for travel to England annually and the Caribbean annually
Legal Issues- Citizenship - citizen of the UK - in the USA on an L1A Visa - applying for a Green Card
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File # 10575
Male, 44 years old
$500,000 coverage, 10-year term
Health Issues- Digestive disorders - Crohns Disease, diagnosed 15 years ago - surgical procedures have included a bowel resection 15 years ago and an intestinal blockage repair 12 years ago - hospitalized within the last year for pain and a narrowing of the bowel - currently treating with diet and medication
- Tobacco - currently smoking cigars
- Drinking alcohol - currently drinks on weekends
- Family History of Cancer - brother, brain tumor at age 25 - father, skin cancer in his 50s
- Family History (Other) - mother, died of an aneurysm at age 59
MedicationsLifestyle Issues |
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 # 10530
Male, 49 years old
$1,000,000 coverage, 20-year term
Was declined elsewhere
Health Issues- Digestive disorders - ulcerative colitis, had an ileostomy 20 years ago
- Liver problems - elevated liver enzymes
- Drinking Alcohol - 1 or 2 beers per week
- Chronic sinus infection - currently treating with Advil
- Chronic back pain - currently treating with Advil
Medications- Did use Prednisone and other steroids until 10 years ago
- Now uses Advil (3-4 each day)
Lifestyle Issues- Foreign travel - Caribbean every few years
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File # 10528
Male, 65 years old
$200,000 coverage, 15-year term
Health Issues- Heart problems - congenital heart defect, born with a closed artery
- High blood pressure (hypertension) - diagnosed 4 years ago
- Transient Ischemic Attack (mini-stroke) - 2 incidents within the last year
- Drinking alcohol - 2 glasses of wine each day
- Family History of Cancer - father, died from lung cancer at age 83
Medications- Aggrenox, Prinivil, Sular
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File # 10522
Male, 45 years old
$140,000 coverage, 15-year term
Health Issues- Heart problems - diagnosed 9 years ago - 2 angioplasty procedures, one year apart - double bypass surgery, 3 years ago
- High cholesterol (ldl cholesterol) - currently treated with medication
- Drinking alcohol - 1 glass of wine per week
- Family History of Heart Conditions - mother is alive, developed angina in her 50s
Medications |
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 # 10508
Male, 58 years old
$250,000 coverage, 20-year term
Health Issues- Heart problems - heart attack 7 years ago - one angioplasty and one stent
- Drinking Alcohol - 7 drinks per week
Medications- Hyzaar, Lipitor, Lopidine, Metoprolol, and Zetia
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File # 10507
Male, 54 years old
$1,000,000 coverage, 10-year term
Health Issues- Liver problems - hepatitis c, diagnosed 22 years ago as non-A, non-B - client thinks he was infected through drug use - underwent 6 months of interferon treatment, 10 years ago - currently hepatitis c positive, current viral load is 7 million - elevated liver enzymes
- Drinking Alcohol - 1 drink per week
- Anxiety and Depression - depression, diagnosed 2 years ago
- Thyroid disorder - underactive thyroid
Medications |
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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File # 10562
Male, 44 years old
$500,000 coverage, 20-year term
Health Issues- Asthma - diagnosed in childhood - asthma attacks have occurred every 1 or 2 years - currently treating with medication
- Weight and build, large build - Height 6'4", Weight 270 lbs
- Tobacco - currently smoking
- Drinking alcohol - currently drinking 2 glasses of liquor every week
Medications- Was prescribed steroids for a short time, 2 years ago
- Now uses Albuterol
Lifestyle Issues- Foreign travel - history of travel to Mexico and the Bahamas
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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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