 Substance Abuse
File # 10580
Male, 30 years old
$1,500,000 coverage, 20-year term
Health Issues- Substance Abuse - currently smoking marijuana once every month, and has done so for the last 5 years
- Drinking alcohol - currently drinking approximately 6 drinks every week
Lifestyle Issues- Rock climbing - 2.5 years of experience - indoor climbs, approximately 6 times every month - outdoor climbs, 1 or 2 times every month - climbs are moderate degree of difficulty - plans to reach 500'
- Auto Racing - 5 years of experience - Mustang racing, plans to race 3 times in the next year
Legal Issues- Department of Motor Vehicle Record - 1 traffic ticket in the last 5 years
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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
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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
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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
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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
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File # 10504
Male, 33 years old
$1,000,000 coverage, 20-year term
Was declined elsewhere
Health Issues- Substance Abuse - Cocaine addiction - graduated an inpatient 30-day program 7 years ago, and continued follow-up meetings for one year
- Anxiety and Depression - diagnosed with depression, treatment with therapy and medication
Medications |
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
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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
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File # 10505
Male, 40 years old
$250,000 coverage, 20-year term
Health Issues- Drinking Alcohol - 5 beers per week
- Substance Abuse - Cocaine addiction, completed a treatment program
Legal Issues- Department of Motor Vehicle Record - suspended license and driving on a suspended license
- Criminal Record - charged with felony possession of cocaine - convicted of misdemeanor possession of toxic substance - arrested for carrying a concealed weapon
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