Mile,
Here is a question for you in terms of would you put this data on one row.
Title, salutation, first name, middle name, surname, business name, level, street, suburb, state, postode (and by 3 for home, business and postal address), business phone, home phone, mobile, fax, email, date of birth, smoker/non smoker, height, weight, gender, employed/self employed, net income, assets, liabilities, sick leave, workers compensation, married/single, occupation, qualifications, Medical speciality, visiting medical officer/staff specialist, graduation date, dangerous past times, medical loading/no loading, bank, source of lead, place of birth, spouses names and dates of birth, smoker/non smoker, spouse work/not work, spouse date of birth.
Then some fields which determine what sort of mail outs he/she gets, policy owner, accountant, solicitor.
Mike