Have you actually received quotes for $10K/year? I was able to get a good amount of coverage for about $1500/year. I signed up several years ago, in my early 30

Have you actually received quotes for $10K/year? I was able to get a good amount of coverage for about $1500/year. I signed up several years ago, in my early 30s, and I'm fairly healthy and don't smoke. So if your situation varies, the quotes could be different. But shop around and you should be able to find something more reasonable than $10K.