"No Big Deal Surgeries "

I'm curious to see what you guys do in cases like these ... I've had advice to write the app level and I've had other people tell me to wait until after the surgery ....

Client who has a knee replacement surgery or rotator cuff surgery in a month - do you write them level, do you write Gi or do you wait until after the surgery ad revisit ?

I just had a case , today , where after I pre qualified and moved to the app, it was exposed that he was having a knee replacement on the 14th of next month - I could have squeezed him through preferred . I ended up telling him we would have to either go
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