I followed the advise and turn load balance feature off.
I deleted the pools, firewall rules, and disable OPT1.
User reports positive result … and has been stable for 5 hours now without experiencing random disconnect.
That makes me wonder, whether or not I made configuration error for load balancing.
:-
But if there were configuration error, I'd assume the load balancing won't work.
In my case it worked beautifully, doing fail-over without missing a beat!
I turned off modem1, it automatically goes to modem2.
I turned off modem2, it automatically goes to modem1.