I WILL NOT THUMBS UP UNLESS WHOLE QUESTION IS ANSWERED- THANK YOU

Discuss his options- Include how much ideally he should have in coverage, how he is rated due to his health status, and what his insurance options are, including term, permanent, whole life or universal life. Life insurance rates are based on preferred, standard or substandard risk, as determined by an underwriter. Discuss the potential rating for the scenario below, and what this might mean for his ability to obtain insurance:

Wayne is a 50 year old male, who smokes 7-10 cigarettes per day. He does workout 3-5 times per week, and eats a healthy diet. His family tends toward the heavy side, and at 5'9" tall he weighs in at 210 pounds.

He is married, and the sole provider of income for his family. His daughter will be starting college in 2 years. The family income is $100,000 a year, and they have a $200,000 mortgage but no other debt.

He came to you for assistance in figuring out how much life insurance he should purchase, and how much he could anticipate spending on coverage. Although you are not able to give him exact costs, provide him with a summary of possible options ranked by potential premium costs.