Need advice for term insurance

I spoke with PolicyGenius and the agent said I was approved for Banner Term Insurance $26 premium for 30 years, 500k. He wants me to finish my application tonight, but I also spoke with a Massmutual agent who said he would get back to me and that I may have to take a medical exam. I don't have any major past health concerns but I'm afraid something will suddenly come up. Should I just go with Banner or wait for Massmutual?

Massmutual agent said the premium should be anywhere between $30-60 a month, so definitely more expensive. I am a 32 F stay at home mom with a daughter and working spouse. Also considering contacting other carriers like North American or New York Life if they have better options (conversion, living benefits, etc). Not sure if Banner or Massmutual has these. I didn't know about these until after I spoke with the agents.

I also have been treated for depression and anxiety in the past.

submitted by /u/Ok_Ground_1268
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