Employer supplement life insurance for 1MILLion

Took 2 times salary for supplement life insurance last year without any tests/doctor notes and open enrollment is next month.

They offer up to 10 times salary (comes over 1MILLion) but it says must be approved. ( So paperwork, doctor notes but will there be health exams?)

Looks like the underwriting is through securian company.

What are the chances of getting approved? Is it very high amount to apply?

About me: Male 53 years, controlled type2 (a1c under 6 with metformin) and controlled HbP through tablet

5.6 height and 212 lbs. No others condition to report.

Is it good to apply during open enrollment and hopefully after approval keep it until end of employment? I think if portable the premium would be higher for my age ( either now or close to retirement)? Would it also make sense to apply for private 1M now or 1 months after approval?

The benefits team said since it is over 1 million mount there may be impute income tax from IRS. Does it apply here and is it a dent $ wise ?

Also once i turn 54 is it when i fall into next age slab for private insurance?

I see on polcygenius my quote for 1M/20 years is roughly $240 to $270

Please provide your responses.

Thanks