I'm a 38/f with 3 young kids. I did an online application for term life insurance (no exam) with Ladder for 750k/30yr. I have no medical issues other than familial high cholesterol controlled with statin, non smoker, no pre-existing conditions etc. They quoted me at 117 a month. I know no exam is generally higher than traditional, but this seems off to me. Is it me, or is this very high? Could the cholesterol be that much of a factor?