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Have a prospect willing to quickly fund a whole life contract then borrow out to purchase land. Do not have a mass contract anymore and they don't pay brokers squat. Looked at Lafayette and their policy didn't look that great. Who would be comparable to Mass?
The best competitor to Mass from a performance standpoint is Penn Mutual.
The best competitor from a ratings/stability standpoint is Guardian or NYL.
Both Mass and Penn are better WL contracts than Lafayette. Perhaps Lafayette has better UW... but a better rating does not always equal better performance against the competition.
isn't pen a little more forgiving with underwriting?