I realize this is the FE Forum, but I have a lead who wants about $250,000 20YLT. He is 55 and is on disability since 2010 because of a back injury. Takes Percoset, Nucyenta and Gabapentin. I have called a half dozen or so underwriters and all say no. He has been declined 3 times before I came into the picture so I am thinking it is a lost cause.
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