<prompt> Human: Long story short, I need to know if Im paying way too much for life insurance. Im with USAA and paying almost 100 a month for a 20-year term life insurance policy. I was told my weight and cholesterol was too high for the quoted price and they bumped it 37 more a month. Bio - Im 31, married, and have one special needs child. Wife doesnt work, never went to college, stays home and takes care of my son. I make 120k annual. I have a 1 million policy because if I pass, my family will be in an extremely shitty situation; especially with a special needs child and my wife not having any strong job skills or college education. I want to make sure theyre well taken care if that happens. My concern is if Im paying way too much and or what Im paying is close to the norm.  <response>: Seems resonable given the large amount and the medical penalty. 