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Whats the UW issue with Rapid Builder? NA/MNL has loosened up UW guidelines recently.
More importantly, they Table Shave up to Table 2 with Rapid Builder. So unless they are really bad health and get a Table 3 rating, they will get a Standard rating.
When you say "compete" it all depends what features you want. If its liquidity early on, then Allianz and Minnesota life are both good options. If UW is the major issue, then I would look at LFG, they have looser uw than NA plus they table shave. But no waiver of surrender rider with LFG.
Mild Chrohn's ... no flare ups since diagnosis in 2010.. taking no meds.. 32/female
also is prescribed albuterol for asthma
Glad to hear I can get a table shave with NA/ Midland
MNL/NA is great but for a 32 yr old why use EC instead of CV. They should have plenty of time to build CV.
Personally I won't use IUL for college funding.
If/when I use PLI for college funding, I usually use par WL.
10 or 20 pays? Or do you load up a traditional whole life policy?