 Speeding Ticket
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
|
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 # 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
|
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
|
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
|
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 # 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
|
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
|
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 |
