| Tom, 46, has an insured sum of £30,000. with a policy term of 15 years. |
Kevin, 42, has an insured sum of £100,000 with a policy term of 20 years. |
Justin, 55, has an insured sum of £60,000 with a policy term is 7 years |
Sarah, 42, has an insured sum of £75,000. Her policy term is 15 years. |
| Tom is slightly overweight with a BMI of 33. He has well controlled high blood pressure and family history of ischaemic heart disease (incidences of heart attacks in more than one close relative at young ages). |
Kevin is a non-smoker who has moderately controlled insulin dependent diabetes with mild retinopathy.
He is also obese with a BMI of 36 and has high blood pressure. |
Justin is an ex-smoker with a BMI of 32. He has had a stenting procedure done following a heart attack. Subsequently, Justin has had angina, raised cholesterol and abnormal liver function tests as a result of excess alcohol intake. |
Sarah has cardiomyopathy (heart enlargement) and a pacemaker fitted. She also has high blood pressure and moderately severe ulcerative colitis (inflammatory disease of the bowel). |