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