Wrote a 48MNT a $500,000 30YLT with Banner. He receives SS disability for a back injury and told me he took Oxycodone as needed. After underwriting the application fully it was issued preferred. He also applied for a $25,000WL with Lafayette. Lafayette declined him today because of the pharmacy check. I spoke to the underwriter and he said they found multiple narcotics and said he is under pain management. Wonder why Banner wasn't concerned? Would any FE carrier consider him?