<prompt> Human: I am starting to try and get life insurance set up for myself to protect my family. Spoke with my insurance company and inquired about term-life insurance. The max that they offer is 500K on a 20-year term. But it will cost 2200month. Im not super great at math, but at that rate, I will have paid the company 576K over the twenty years for a max of 500K of coverage. Is this normal? I am officially confused about how the life insurance thing is supposed to work if that is the price. How does anyone afford that? Am I just being had? Assistant: Either the quote is for something else or you have very, very bad health.Human: 40 years old in decent health. Desk job. Whats really throwing me off is, trying to figure out how much coverage I should be trying to get in the first place. The insurance guy said that no company in the US is allowed to offer more than 500K on term-life.  <response>: There must be a misunderstanding somewhere because policies over 500k are definitely possible. 