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Besides the FE companies... the supplemental health companies do - AFLAC, Combined, AIL, etc.
The last one I had illustration software for was Hartford Life, so you can tell how long ago that was.
Seems all the empahisis these days is GUL, IUL, Par, etc. Anybody still writing old fashioned non par whole life for blue collar family needs?
Price would be the only reason I could think of. If a PAR plan does not pay a dividend, then it is essentially the same as a non par.What is the advantage of non-par? Why not just write participating WL? Price?
RNA has a low cost whole-life. It is participating but it doesn't pay dividends. It's priced very low. But Lafayette's participating WL is about the same price in a lot of cases and does pay dividends plus pays higher commissions an the smaller cases under $100,000.
You apparently have no understanding of the products. As a general rule, you can purchase more coverage on a non par as the premium is lower.. The par can increase in death benefit through buying paid up additions and the paid up additions provide cash value. But since nothing is free, there is a cost for that future increased death benefit and cash value. In fact, the thing that every body pushes is the fact that a person can retire and receive the dividends tax free.... the reason that is possible is the courts have consistently held that the life insurance dividend is a "refund of excess premium". Back in the day, all the debit agents in this area carried little laminated cards with the Supreme Court decision in order to show people they were being "overcharged" and all they were getting back was their own money plus a little interest.Now that I know what they are, and see them from a 40 year perspective, the non-par was not a wise purchase. Some of the difference was the companies to be sure, but - off the top of my head - I think the par policy has 2-3x cash and 2.5x death benefit of the non-par.
It is possible the non-par policy paid a higher commission to the salesman.
I would not recommend the non-par to a worker of any description unless there was no other choice.
My unpublished novel, A Tale of Two Policies, may contain information at variance with what you stated above. I know the policy which cost me more in annual payments to the insurance company 40 years ago has less benefit now.
My research assistant is currently unavailable so it will be awhile before I can get back with you with more specifics.
I believe your statement about participating policies not guaranteeing dividends is also not 100% true. Whether I can find the link again to prove it, is another story.