Underwriting Question?

I have a 54 year old female who is being treated for bipolar disorder and takes Gabapentin for neuropathy. She is not a diabetic. Last year I wrote her a policy with Transamerica. At the time she was a smoker and since has quit for 13 months. She wanted more coverage so I wrote her with Transamerica again and they won't issue as a nonsmoker. The application states 12 months, but they said she would have to be tobacco free for 24 months.

There are few options that will accept bipolar and neuropathy. When a company's application ask does she have complications due to diabetes how do I a
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