I had forgotten about life insurance but that was how I found out I was either diabetic or pre-diabetic as my blood sugar levels came back higher than normal.

I think that is standard bait and switch with life insurance companies. Quote you a super low rate to get you interested then it always comes back higher because of something they find.

This will put your numbers into perspective.  https://www.youtube.com/watch?v=9N7CvW1Jqes

This is what we have been taught for the last 50 years that has been wrong. https://www.youtube.com/watch?v=RjETCDpuIT8

John