Any carrier can have a hiccup and you can get an underwriter that doesn't know or doesn't understand.
I have had more run in's with Eq than other carriers but still use them as my #2 carrier.
Jimmy, I am curious how you got a COPD with Spiriva approved. They declined one of mine last year that used Spriva for asthma. When I talked to the underwriter he said Spiriva is an auto-decline.
Why?
Because it is used for COPD and CHF.
But it is also used for asthma.
We just ASSUME it is for CHF.
That sent me through the roof. Stopped using them for a few months. Back again but more cautious.
Spiriva for CHF, never heard that one. I did it and they approved her. It doesn't show up in the UW guide