RNA insulin and neuropathy will be graded now . As i said no company changes unless they need to

Yes,page 19 in the agent guide. For preferred only.

Sophie Mae,a smoker,4’11“ 345lbs. on 100 units of insulin could be approved Standard.

She seems pretty standard health & mortality wise with only those 3 small conditions you mention.

Might want to suggest she try to grow a bit taller as she seems 3-4 feet too short for her hourglass figure
 
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