Explain what the characteristics and limitations are in reference to two, uniquely different environments for the applicant for life insurance.

Environment 1 = Married, male, age 37. Two children (5 and 9). Stay at home spouse.

Living in a $350,000 single home in Montgomery county.

Environment 2 = Married, male, age 48. Three children (23, 17, and 12). Spouse

employed part-time. Living in a $175,000 row house in the

Germantown section of Philadelphia.