Debating a New Offer - Questioning what Insurance I Really Need / Want

So I (35 year old, minorly over weight male) have bipolar disorder and had all but given up on getting anything other than employer-sponsored default life insurance until I wrote a sob story about how it doesn't affect me at all (I don't suffer from depression and have stable jobs / relationships blah blah), and I got an offer a few months ago I pretty much took without questioning. I'm paying $150/month for 30 year term for 500k of coverage.

So I recently try to warn off the agent trying to sell my wife some insurance that I have a huge uninsurable red flag, but she still insists on takin
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