Looking for New Policy MM Va NYL

Hi. I am not an agent. I live in NY. 45. No health problems. Looking for a WL/Term policy for me. I am considering NYL or MM. What is your recommendations. I am looking for a good company that will pay. I am not looking for the cheapest but also don't have a boat load of money. I have some with NYL but wanted to know if I should split up my accounts between two companies because I am not sure I can trust all my eggs in one basket?
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