Florida resident 58 year old male who uses smokeless tobacco. Has COPD. Had an ablasion almost 3 years ago to stop AFIB, but still takes medications that would indicate he still has a problem. He told me he only took Warfarin and Lasix. Called Americo and they said no thanks. Submitted to Transamerica and they offered GDB. The underwriter states he takes a few more medications than he told me about. The least expensive option is Gerber ROP. Anything I am missing? What about Liberty Bankers standard?