Standard Smoker

File # 10581 Female, 37 years old $100,000 coverage, 20-year term Was declined, elsewhere Health Issues Diabetes - diagnosed 32 years ago - retinopathy, resulting in surgery 10 years ago - currently treating the diabetes with medication Anxiety and Depression - diagnosed 1 year ago - currently treating with medication Weight and build, weight gain - Height 5'3" Weight 170 lbs - gained 25 lbs in last year, due to medication Tobacco - currently smoking 1 pack every day Medications Humalog, Humulin, and Lexapro

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 Medications Paxil Legal Issues Citizenship - citizen of Canada - in the USA on an E2 Visa