Life Insurance Quote

DUI


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
Life Insurance Questions

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
Medications
  • Trazodone
Lifestyle 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
Life Insurance Questions
Standard Non-smoker Simplified Issue with No Exam
File # 10534
Female, 50 years old
$75,000 coverage, whole life
Was declined elsewhere

Health Issues
  • Drinking alcohol - attended an Alchol Treatment Center for 3 months, then again for 5 months, graduated 3 years ago - however, client is currently drinking 5 or 6 times per week
  • Tobacco - currently smoking 1 pack per day
  • High cholesterol (ldl cholesterol)
  • High blood pressure (hypertension) - currently treating with medication
Medications
  • Lotrel and Zocor
Legal Issues
  • Department of Motor Vehicle Record - 2 DUI tickets, 4 years ago - temporarily suspended license
Life Insurance Questions

Legal Issues
Criminal Record

Citizenship
Green Card
Canada
Israel
Japan
Philippines
UK

Department of Motor Vehicle
DUI
Speeding Ticket
Traffic Ticket
Suspended License
Driving on a Suspended License