Confused at high cost, is this normal?

34 y/o male. I would describe myself as healthy but I do have some issues that I'm treated for. That being said they are all stable and have been for many years (well documented). Epilepsy, neuropathy, bipolar, anxiety, ADHD. Each condition well managed through medication and consistent doctor visits. None of which have ever been debilitating.

I applied for a $500,000 30 year plan with Pacific Life through SelectQuote. I just got the approval call and they told me it was $113 per month. They specifically cited that it was due to my bipolar, anxiety, and ADHD which is confusing to me. Thinking about the questions they asked me, I have never been psychiatrically hospitalized, I have never missed work or lost a job due to any of it, I have always kept up with my appointments and been consistent with taking medication, I have not at any point felt suicidal. I'm just looking for a little context around if this is normal and if not are there steps to try to amend this?

It is important to me to have life insurance as I just had a child, so if that's the cost that's the cost, but it is quite a bit higher than I expected to pay so kind of a bummer to hear.

Any input and guidance greatly appreciated.

submitted by /u/nate1208
[comments]