I don’t trust my advisor

Situation: Age 47 married 1 child (age 10) Defined benefit pension starting at 55

Purchased policy at age 39. Initially I only wanted term, because from my research I thought that it was the best option.

I bought 1 million in coverage split between a 20 and 30 year term ($500K each).

2 years after purchasing my advisor recommended that I didn’t need a million dollars in term coverage and that I would be better to have some permanent insurance as well.

He convinced me to cancel the 20 year term policy and convert in to $100K of permanent T-100.

Now I’m left with only $600K of coverage which I believe is insufficient for my needs given the young age of my child.

Another sketchy thing my advisor has done is that he called me a few weeks ago to try to get me to extend my existing term policy and convert more of it to permanent.

I know his motivation is that he gets paid a lot more for selling permanent compared to term. I was considering canceling my permanent insurance but I’ve already paid into it for 8 years.

My monthly insurance cost is $178 which includes both the term 30 and T-100 policies.

I’m just looking for suggestions.