FINAL EXPENSE Prospect- Smoker & Home Health

I don't do FE too much anymore, and am down to only 2 contracts- Foresters and Royal Neighbors. FE Agent Services told me that they would not take a Home Health prospect no matter the diagnosis. She doesn't take any rx. RNA was closed already when I called to ask an underwriter. She had Monumental before, but it lapsed due to a payment that she missed. I suspect that she bought it when she was in better health than she enjoys now.
She is a 74 year old Female in Texas. Anyone have any ideas?
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