You need to work with a good BGA/IMO
to help you with these cases.
Pinney actually has a health rater that is built into their EZLife quote software. You enter medical info and then it shows you the carriers that will be most accommodating to those conditions. They also have an in-house underwriter who you can run cases by and get recommendations from.
Also remember that you can look up the UW guides yourself and prescreen clients with different carriers that way. Often a google search will yield the UW guide. The key is to get very detailed answers if a client has a medical condition.
Also, with Trans, are you sure it wasnt their SI WL product? Often clients do not tell the complete story, especially when they get coverage from another agent.