I need a life ins. company to replace Mutual of Omaha

I mentioned Lafayette Life. They are rated A+ like MOO. Have a very competitive SIWL and a very competitive FU WL. I just wrote a 71FNT diabetic a FU $25,000 policy and she was issued SNT.
 
Is IL Mutual a true FE product?
It is as much as ANICO. As a MOO replacement if I had to I’d pull them instead only for term/term with ROP and their WL. ANICO too as I’ve been able to get some decent pricing where moo would decline even at sub rates.
 
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