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The difference with the par WL... yes the premium will be higher, however the DB will grow. At the end of 20yrs it will likely be $450k, not $250k. So its all in what they want. Cheapest price for level DB would be GUL, as mentioned.
However, the reason GUL is able to be priced lower is that it is known that some will fail to cover the no lapse required premium at some point and it isn't required to have CV equal face at maturity.