I have a 51 type 2 diabetic never took meds a1c 6.0 no other health conditions good weight non-smoker he has been a diabetic for 20 years he wants to do infinite banking plus wants access to most of the cash right away that he puts in if he needs it. He wants to put in approx 50K Which carriers do you recommend: Guardian, Lafayette Life, Ameritas, Security Mutual, Ohio National. He has no relatives I can put this on or employees. What type of rating would he get?