FU Term Question: 32M N/T Needs $500k

So he's also full-time with Las Vegas Metro PD and Marine Reserves. He has been deployed to Iraq a couple of times and has 3 years remaining on his reserve commitment. He's in great physical condition (well within height/weight charts)
Spouse (31 F N/T) also in great physical condition.

Both want at least $500k FU Term.

I'm not a big term guy so this is unknown territory for me. Normally I'd quote them both the lowest rate, but I don't have a clue how Miltary Reserve, and Full-time Cop will affect UW.

Also...I'm looking for a full-service back office IMO specializing in Term/
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