A 1: Try to get a quote from American General for preferred plus rate. I heard they are very reasonable.
A 2: Pretty Good: 0.5m, 15yrs term at my age of 35yrs old, I paid 270/year.. so yours is pretty good...
A 3: Your insurance premium is good, but your coverage is a bit too low. When you are young, it's cheap to buy term life insurance. If you have kids, I think you should buy $1m.
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