I would check here for pricing…
www[.]term4sale[.]com
I don’t work or own or have any interest in term4sale other than I used it when I had to get some insurance for me and the spouse. It’s all term policies and the prices are legit assuming you qualify (same as what your agent will quote).
Most agents can also sell any company so it’s not a problem to use a friendly agent since pricing is the same and you can ask more questions.
I would be very upfront and honest with family history since paying to have a policy which is valid beats paying for something which won’t pay out if there is an event.
