 Liver Problems
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
|
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 # 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
|
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 # 10511
Male, 35 years old
$1,000,000 coverage, 20-year term
Health Issues- Liver problems - hepatitis b, diagnosed 10 years ago - client thinks he was infected through a transfusion during elbow surgery as a teenager
|
File # 10564
Male, 34 years old
$1,800,000 coverage, 20-year term
Health Issues- Heart problems - congenital heart defect - heart valve problem, diagnosed 22 years ago - required a transfusion, 22 years ago
- Liver problems - hepatitis c - patient thinks infection occured through transfusion, 22 years ago - underwent 2 courses of interferon treatments, 9 years ago, not successful - currently hepatitis c positive
Lifestyle Issues- Foreign travel - France and England
|
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
|
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 # 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
|
File # 10523
Female, 38 years old
$500,000 coverage, 20-year term
Health Issues- Liver problems - hepatitis c - last biopsy was 3 years ago - 18 month treatment with interferon and ribavirin, not successful - currently hepatitis c positive - viral load was 2 million, currently is 100,000 to 400,000 - client feels she was infected through vaccinations in grade school
- Family History of Cancer - father, died from non-Hodgkin's lymphoma at age 56
Lifestyle Issues- Foreign travel - Los Cabos, Mexico, for vacation
|
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
|
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 # 10573
Male, 47 years old
$400,000 coverage, 10-year term
Was declined 6 times, elsewhere
Health Issues- Liver problems - elevated liver enzymes and fatty liver
- Anxiety and Depression - obsessive compulsive disorder, currently treated with medication
- Overweight - Height 6'0" Weight 210 lbs - lost 20 lbs in last year due to diet and exercise
- Tobacco - currently smoking
MedicationsLegal Issues- Citizenship - citizen of Canada - in the USA on an E2 Visa
|
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 |
