Why the best permanent life insurance quotes can not be quoted on www.ratesupermarket.ca

I used an example of a male non-smoker born January 18, 1974 for permanent coverage for $500,000.
Best quote was $322/month. No Cash value.

I ran a quote my self on another insurance company best quote $400/month. Hey that’s $80/month more expensive!
But at year 15 the GUARANTEED CASH VALUE IS $35,435.

Ok let’s look at it again. $80/month for 15 years is $14,400. So GUARANTEED CASH VALUE $35,434 -$14,400 = $21,034 too much with www.ratesupermarket.ca