I have a referral that is 50, NS, 6ft 2, 175, no meds, but 12 years ago a family doc told him he had a slight heart murmor. Doc didn't treat him and has not had any problems or findings of a murmor since. Never had a cardiac work up. Would you apply first with Assurant, since in my state they only ask questions concerning conditions the past 5 years besides cancer. I fear other carriers will want him to have a cardiac workup, what are your opinions?