<prompt> Human: Hi Personal Finance,I have an Elite Premium Rating for health. Im 28 yrs old, make 110k and expect that to grow fingers crossed. Im sold on Term life, but Im working with an advisor that is locked to a specific provider. I know Im getting a good product, but Im not sure if the rate is reasonable. Im willing to pay 10-15 premium given the relationship, but if Im 25 overpaying, I need to draw a line. Heres the details:- 3m face amount- 20 years- 1890 annual total - 1740 annual premium - 90 waiver of premium rider - 60 extended conversion rider can convert to whole anytime within the 20 yearsI understand that most insurers wont offer the extended conversion rider, so that might be a differentiator. Also, my understanding is that the price for a similar policy not including the riders would be 1300-1700. Any comments would be great as I have to sign for this policy before Saturday.Cheers!Edit: One dependent, healthy wife same age.  <response>: Who would be the beneficiaries of your policy? Are you married andor have kids?Also, 3M is a huge amount, and at your income level Id be surprised if it got underwritten. The fact that your advisor is locked to a specific provider makes me think this is more about his commission than about helping you to protect your family.EDIT: Im reading your post again, and your policy is insanely expensive. 160month for term life insurance? Damn man, thats not even close to being reasonable. Even just going to esurance.com and throwing in some of the same particulars, I see policies for closer to 100month. Youre getting taken for a ride on a policy you probably dont even need. 