 Family History of Heart Conditions
File # 10512
Male, 44 years old
$500,000 coverage, 20-year term
Was rated elsewhere
Health Issues- High blood pressure (hypertension), diagnosed 5 years ago
- High cholesterol (ldl cholesterol), diagnosed 5 years ago
- Liver problems - history of elevated liver enzymes
- Family History of Heart Conditions - father, several heart attacks
Medications |
 
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
|
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
|
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
|
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)
|
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
|
File # 10510
Male, 47 years old
$1,000,000 coverage, 20-year term
Health Issues- Digestive disorders - ulcerative colitis, diagnosed 30 years ago, multiple hospitalizations, lost and gained roughly 25 pounds within last 2 years - ileostomy is a future option
- Family History of Cancer - mother, died at age 72 from leukemia
- Family History of Diabetes - father is alive, developed diabetes in his 70's
- Family History of Heart Conditions - father is alive, currently has congestive heart failure in his 80's
Medications- Elavil, Emuran, Remicade, and Sulfalazine
Lifestyle Issues- Scuba diving certification - PADI - recreational
- Foreign travel - Cancun and France
|
File # 10567
Female, 48 years old
$750,000 coverage, 20-year term
Health Issues- High cholesterol (ldl cholesterol) - currently treated with medication
- Asthma - currently treated with medication
- Anxiety and Depression - depression, diagnosed 1 year ago - currently treated with medication
- Substance Abuse - marijuana, none used in last 21 years
- Family History of Heart Conditions - mother, died at age 57 from heart disease
Medications- Flovent, Foradil, Lipitor, and Zoloft
Lifestyle Issues- Foreign travel - Caribbean
|
File # 10591
Male, 36 years old
$750,000 coverage, 20-year term
Was declined, elsewhere
Health Issues- Systemic scleroderma and diffuse cutaneous scleroderma - diagnosed 4 years ago
- Raynaud's
- Weight and build, overweight - Height 5'11", Weight 250 lbs
- Family History of Heart Conditions - father, developed heart disease in his 50s
Medications |
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
|
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
|
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 # 10519
Male, 36 years old
$1,000,000 coverage, 20-year term
Health Issues- High cholesterol (ldl cholesterol) - improved through diet
- Anxiety and Depression - diagnosed 12 years ago, being treated with therapy and medication
- Suicide Survivor - suicide ideation 10 years ago, resulted in hospitalization for 7 days
- Family History of Heart Conditions - father is alive, bypass surgery in his 40's
Medications- Did use Effexor, Paxil, Prozac, Remeron, Serzone, Wellbutrin
- Now uses Celexa, Ritalin
|
Standard Non-smoker with graded benefit
File # 10586
Female, 46 years old
$100,000 coverage, whole life
Was declined, elsewhere
Health Issues- Diabetes - diagnosed 33 years ago - complications include neuropathy, retinopathy, retinal displacement (surgically repaired), and renal insufficiency that started 14 years ago, resulting in renal transplant 6 years ago - currently treating with medication
- Heart problems - balloon angioplasty (PTCA), 8 years ago, to unblock a 90% obstruction
- Cancer - fibroadenoma, benign tumor in breast - surgically removed 15 years ago, no recurrence
- Congenital microphthalmia
- Family History of Cancer - mother, died of cancer at age 56
- Family History of Heart Conditions - father, died of heart attack at age 41
MedicationsLifestyle Issues- Foreign travel - history of travel to Mexico
|
All life insurance case studies are
Copyright © 2001-2008 by Steven H. Kobrin, LUTCF. All rights reserved. Email: skobrin@stevenkobrin.com
Phone: 1-866-633-1818 (toll free)
Website: Please see our Experts page for Steve's website info.
Newsletter: Subscribe to Steve's Life Insurance Newsletter. |
| |  Quote Database
Age
Health
Legal
Lifestyle
Medical Procedures
Medications
Compare Term Quotes |
