PHI don't have to be a way of life. Lots of competitive companies don't do them.
It is not always the company that makes it shorter or longer, but also what all health conditions the client has.
Someone that has nothing wrong with them, will go a lot faster than someone that takes 6 meds.
PHI are just a way of life when it comes to Whole Life and a lot of products.
Both takes me less than 15 mins. Foresters on the planright goes really fast and easy.