There’s no reason for guaranteed issue coverage here there are plenty of immediate coverage simplified issue whole life options!
You said plenty would take level. Only Accendo and gcu will take level.Gcu seems to have the most aggressive ht/wt table I’ve ever seen . At age 50 that won’t even qualify for modified with am am. Thats not standard at liberty Bankers unless you lie on his height. I guess he could wear stacked shoes right?