Good policy?

Hey, my friend of 14+ years has a sister who sells life insurance and we did the whole process, it's just time to sign now. I have standard health because I do have some chronic illnesses that aren't typically life threatening, it doesn't say in the contract anything about my health, just says they're allowed to do a full physical. For a $500,000 policy, that will have a set 30-year amount, it will be 33.83 (27.15 for the policy, and 6.68 for the policy fee) for the 30 years. Then after that the prices will yearly proceed as such:

2054 $5,475.00

2055 $5,915.00 2056 $6,395.00 2057 $6,895.00 2058 $7,475.00 2059 $8,175.00 2060 $8,955.00 2061 $9,855.00 2062 $10,815.00 2063 $11,875.00 2064 $13,015.00 2065 $14,235.00 2066 $15,595.00 2067 $17,175.00 2068 $19,015.00 2069 $21,195.00 2070 $23,755.00 2071 $26,735.00 2072 $30,195.00 2073 $34,175.00 2074 $38,735.00 2075 $44,035.00 2076 $50,295.00 2077 $57,835.00 2078 $66,735.00 2079 $76,235.00 2080 $86,075.00 2081 $97,375.00 2082 $112,955.00 2083. $130,855.00 2084. $148,615.00 2085. $168,995.00 2086 $192,235.00 2087 $217,855.00 2088 $245,555.00 2089 $275,335.00 2090 $307,555.00 2091 $341,215.00 2092 $376,175.00 2093 Terminated

​

While reading that I see it jumps really high and that's making me nervous. But I know nothing about life insurance other than that it's good to have. My dad had his policy from 22 till he died at 52, and my mom unfortunately didn't get a policy until this year so I'm not sure I trust her opinion. I'm a 26 yo female who is married (childfree). I don't smoke, do drugs, or drink really at all. Is this a good policy? It's through American Family Insurance Company.

submitted by /u/No_Expression6665
[comments]