"Why the increased rate now?"
I'm not trying to be an ass or anything as I have clients in the same boat.... You're just beating a dead horse here.
You're asking for a rating any company is not willing to give based on his med history. It is what it is... I'm sorry.
Until you put an app in and they test, nothing can be promised and nothing is certain. A GA
can't tell you for sure because they would be simply lying to you. It's going to depend on the carriers underwriting formula and what they'll underwrite at what rate..
Obviously the guy's a nice guy and you support him because he's nice to you as well. However an insurance carrier doesn't care if he's a great guy or the biggest d ick in the world..they just look at is he underwritable and at what cost..
This is why Vets don't really work on their own animals... sometimes you're so emotionally attached you can't use your business head. Your business head in it's knowledge knows the answer to your question...your emotional head just won't let you listen.
Again, I'm sorry and I am not making fun of you. Insurance is math surrounded by emotion.