Been in the insurance industry for 15 years and at your age a 20yr term for $2100 would mean they are giving you the Pref Best health rating. MetLife, AIG, Banner, & Protective are some of the most competitive for that term, age, health class, & amount.
If you feel that’s what you need then take it. Most policies allow you to lower the death benefit later on if necessary. You could also consider 15yr term and save $500-$600 year off the 20yr.
