First Day Coverage for COPD/Diabetes/Smoker

Man this is a toughie!

Male 65 smoker COPD and Diabetes

Has $15K--- about $175 a month

Its not a bad premium but---I am going to write him and wife for Medicare and wife for FE---and I cant in good conscience start him over with Graded

A New graded plan is going to about the same cost anyway

They have FE with a competitor I always try to wipe the floor with (They have BANKERS in their name)

Any carrier that might give him Standard rate?

THANKS
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