I am a 45 year old male, currently paying about $510 annual premium for a 10 year $1,150,000 term life insurance policy on myself (through my workplace). I have no health issues / don't smoke, etc. Is this considered a good rate? Any ideas on how to reduce premiums (other than reducing coverage)? Anybody know of any reputable insurance companies to look into that have demonstrated lower premiums? (after substantially reducing my homeowners insurance and auto insurance by shopping around, which happily surprised me, I am now turning to the life insurance)
(have 3 kids and am sole provider in the family, so need life insurance at this point in my life)