The insurance thing is such a pain. They, naturally are in the business of generating a profit. Regretably, the common practice is to drop clients and properties with repeat claims. They will 'forgive' the first, and maybe the second, claim, but by the third you are done come renewal time. As for LTI, I'm surprised you are getting it with COPD unless you had the coverage before you were diagnosed. Most insurers decline medical conditions that predate your initial app for insurance, whether that be life, LTI, even mortgage insurance.