Bogus. I cannot buy PA anymore cos I work at 'high-risk' areas. Aren't insurance suppose to protect?

That works out to 150/mth.

I have a question to ask agents... I've been having trouble to get agents to quote plain term insurance no cash value.

Are term insurance to insurance agents like people ordering plain water to coffeeshop owners?

Anyways, throwing it out there. I have the similar profile with the other person. 30 years old, no smoking, no family diseases. 400k coverage.

My career requires me to go offshore working in Oil and Gas (but will be office based when I am 40 years old).

How to quote for cheapest till age 55? Quote a plan for 30-40 years old then change a lower risk profile plan from 40 to 55?