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In this case, it would be ethical to recommend any of the top three companies you suggested. Maybe even the fourth.
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Everyone is missing the point here.
Let's assume that ALL THINGS ARE EQUAL.
The client wants a 20 year term - period. He's never going to convert. He doesn't need it in 20 years and one day. All he wants is level term for 20 years.
Any company can go out of business and the size of the carrier is not indicative of future performance.
Given the above, is it ethical to recommend the same coverage for $100 a year more?
Never allow a prospect to get you engaged in a bidding war on term