sorry wasn't clear. here revised.
Ok, will quote soon. Currently having thing on.
Company A
1) 1 mill death/tpd, 100k eci till age 65 - $2111.80/year (premium is before 20% perpetual discount)
2) 1 mill death/tpd, 100k eci till age 70 - $2612.60/year (premium is before 20% perpetual discount)
3) 1 mill death/tpd, 100k multipay till age 65 - $2230.80/year (premium is before 5% perpetual discount)
4) 1 mill death/tpd, 100k multipay till age 70 - $2734.60/year (premium is before 5% perpetual discount)
Company T
1) 1 mill death/tpd, 100k eci till age 65 - $1611/year
2) 1 mill death/tpd, 100k eci till age 70 - $2001/year
3) 1 mill death/tpd, 100k multipay till age 65 - not available
4) 1 mill death/tpd, 100k multipay till age 70 - not available
Company X
1) 1 mill death/tpd, 100k eci till age 65 - $2390.20/year
2) 1 mill death/tpd, 100k eci till age 70 - $2831.80/year
3) 1 mill death/tpd, 100k multipay till age 65 - $3480.20/year
4) 1 mill death/tpd, 100k multipay till age 70 - $4131.80/year
Updated