Life Insurance
Positively Possibly PreferredA Look at Four Medical Impairments
By Dr. Jacki Goldstein

Rheumatoid arthritis (RA) affects 1.3 million people in the United States3. It is a chronic disease that primarily causes chronic inflammation of the joints, but can also affect other Malcolm, 36, is a computer programmer, who is organs. While there may be periods of remission, rheumatoid married with a young family. He’s applying for $500,000 arthritis is often a progressive disease that may result in joint of life insurance. Malcolm has been treated for depression destruction, chronic pain and functional disability. Anemia, since he was in college. He has never been hospitalized, lung disease and heart disease, including an increase risk of attempted suicide or had a history of substance abuse. He sees heart attack, can be associated with RA. Although there is no a psychotherapist monthly and has been on Prozac, an anti- cure for RA, there has been improvement in the prognosis depressant, for many years. Malcolm has been successful at thanks to early diagnosis and aggressive treatment with several Depression is a serious, sometimes life threatening, mood disorder that is associated with both increased morbidity and children. She and her husband are both applying for $ 500,000 of life insurance. Two years ago Vivian donated a kidney to her In 2006, the CDC estimated that 15.7 percent of people in the father, who had kidney failure due to diabetes. Her creatinine United States have depression at some point in their lives and prior to donating her kidney was 1.0 and since the removal that 17-18 million Americans have this disorder.1 Not only of the kidney has been stable at 1.2. Her blood pressure is low can depression result in suicide, a leading cause of death in normal, her urinalysis is normal and she is a non-smoker with the U.S.2, but persons with depression are more likely to have cardiovascular disease, diabetes and obesity, as well as being more likely to become smokers, heavy drinkers and physically A kidney transplant is a surgical procedure to place a healthy inactive. However, the type and severity of depression varies kidney from a donor into a person who has end-stage kidney greatly. Many individuals with depression can have an excellent failure. Common causes of end-stage kidney failure include diabetes, chronic, uncontrolled high blood pressure and chronic glomerlonephritis. Donated kidneys can be from Marci, 44, is a landscape architect applying for a $1 million deceased or living donors. In 2009, approximately 6,300 living life insurance policy. At age 32, Marci complained of painful swollen joints that limited her ability to do her job. She was Living donors are screened to be sure they have no medical diagnosed with rheumatoid arthritis. For the first six years problems that would be adversely affected by a loss of one of Marci was on various disease-modifying anti-rheumatoid drugs their kidneys. Once they are recovered from the major surgery as well as occasional short courses of prednisone to control her to remove one of their kidneys, survival rates in living donors arthritis and allow her to work. For the past six years, she has are not affected by the kidney donation.
been maintained just on Plaquenil and has continued to be well controlled. Marci has very few joints that are involved, minimal joint damage, no organ involvement, a low level of rheumatoid factor and is fully functional at work and home.
1. 3. 2. 4. For Producer and Broker/Dealer Use Only. Not For Public Distribution.
Positively Possibly PreferredA Look at Four Medical Impairments Carl, 72, is a retired college administrator. He and his So how will Malcolm (mild depression and anxiety), Marci wife are applying for a $2 million joint life policy. At age 66, (mild rheumatoid arthritis), Vivian (kidney donor) and Carl Carl was noted to have an elevated PSA at 13.4 ng/ml and an (localized prostate cancer) fare in life underwriting? irregular prostate exam. A prostate biopsy revealed prostate They all would be eligible for a preferred rating, provided they cancer. Carl elected to have a radical prostatectomy. His cancer meet all other underwriting criteria.
was Gleason 7 and was staged as T2bN0M0 (confined to the These are just four examples of how your clients, even those prostate cancer with no evidence of spread). PSA levels since with potentially significant medical conditions, if they meet the surgery have been undetectable and exams have also shown certain criteria, may be “positively possibly preferred”.
It is estimated that 217,730 men will be diagnosed with and 32,050 men will die of cancer of the prostate in 2010.5 After skin cancer, prostate cancer is the most common cancer in men in the U.S. and the second-leading cause of cancer- The cases presented here are hypothetical. Specific ratings will related death.6 Fortunately, due to earlier detection and vary based on a client’s complete medical history. improved therapies, the overall survival of prostate cancer has been improving since the early 1990’s, particularly for early (localized) stages.
5. Life insurance products are issued by MetLife Investors USA Insurance Company, Irvine, CA, Metropolitan Life Insurance Company, New York, NY, and in New York only, by First MetLife Investors Insurance Company, New York, NY. All guarantees are based on the claims-paying ability and financial strength of the issuing insurance company. Variable products are distributed by MetLife Investors Distribution Company, Irvine, CA. All are MetLife companies. October 2010 Insurance Products:
• Not a Deposit • Not FDIC-Insured • Not Insured By Any Federal Government Agency • Not Guaranteed By Any Bank or Credit Union • May Go Down In Value Metropolitan Life Insurance Company
200 Park Avenue
New York, NY 10166
BDUW21363 L1010135163[exp1112] 2010 METLIFE, INC. PEANUTS 2010 Peanuts Worldwide For Producer and Broker/Dealer Use Only. Not For Public Distribution.


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