Case #1

Age 55 female living with husband who has LTC insurance elsewhere. History of stroke, anxiety, depression, hypertension, high cholesterol, heart disease with left ventricular hypertrophy, carotid artery stenosis and asthma.

Declined by John Hancock, issued by our carrier.

Case #2

Male age 64 with Parkinson's Disease, living with wife.

Declined by several carriers, issued by one of ours.

Case #3

79 year old female living alone. History of breast cancer, fibromyalgia, osteoporosis with compression fractures. Uses a handicap license.

Declined by GE and John Hancock. Issued by one of our carriers.

Case #4

Single male age 71, lives alone with history of heart disease. Heart attack two years ago, value replacement, congestive heart failure, peripheral vascular disease leading to caludication , edema in the legs and shortness of breath. Although his health significantly limits activity level, we was capable of performing all ADLs and IADLs independently.

Issued

Case #5

Age 66 female, living with her husband. History of arthritis treated with steroids, bilateral knee replacements, diabetes treated with Actos, renal insufficiency and mild diabetic retinopathy. She stood 5 ft 4 inches tall and weighed 254 pounds.

Issued

Case #6

Female 52, living alone with significant depression, arthritis, CPAP for sleep apnea and occasional Oxygen for COPD. 5 feet 2 inches tall, wieghing 210 pounds. On social security disability.

Issued

Case #7

Age 62 female with a history of two strokes, continues to smoke a pack of cigarettes per day, COPD, arthritis and heart disease.

Issued

Case #8

Female 56, living with husband diagnosed 8 years ago with Multiple Sclerosis (M.S.)

Issued

Case #9

Male age 71 with a history of heart failure leading to a heart transplant in 1996.

Issued