I doubt anyone will beat RNA's Essential Life if you are going whole life. About the only to beat their price is to go GUL. But then you are not using whole life.
As for the other question asked about being worse off, yes, they could be is table rated above a table 4. Most SIWL is standard at table 4.
RNA Essential Life at a table 4 or above will still beat many other companies rates on SIWL.
Big problem with Essential Life is the $25,000 minimum.
I recommend it quite often I have 4 Essential Life applications pending right now. 3 of the 4 were the age that they had to have exams. I expect 2 of the 4 to be rated but I'm thinking a table 2 or 3 which would still be a bargain.
RNA will aloow you to change to the SIWL if the person is rated. If declined then they cannot apply for any other product with RNA.
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Do you have an example of those "excelelnt" rates. Say $25000 whole life on a 68 year old female non smoker?
I came up with 98.96