I can confirm that CP has same rates for smokers and non-smokers.
They also have a surprisingly low rate for Plan N here in Texas. However, every other plan is crazy high compared to Mutual of Omaha.
I think part of the reason is that MOO has limited underwriting for Plan N where CP has standard underwriting for plan N.
, CP is really the new Banker's Life product line. Kind of like how MOO and United of Omaha switch every now and then... same will be true of Banker's and CP for awhile. (former Banker's guy here)