life insurance questions drug use

If you know of life insurance to this question is for you. . I'm 40 years old?
and replaces a pair of short-term policies to 20 years $ 500,000 policy. House, car, and these policies with State Farm. My favorite quote was about $ 70 per month – super favorite was about $ 55 a month. My only risk factor (besides being male) CHL is running about 220. Statins (tried, but my liver does not like). I did an internet search and it seems that if I get the same type policy of a number of companies for only $ 350-450 per month. Am I missing something? Is it more difficult to qualify for coverage? I need some advice. Thanks what I meant was 350-400 per year – far less than 600 -700 The year cited in State Farm
Welll, assuming that means $ 450 per year. . . One thing is a factor, you can compare annual premiums per month, when the monthly publication has a "delivery fee" built into it. You have to compare the annual premiums. But $ 70 a month is HIGH. I wonder if the delivery fee is $ 20 or $ 25. . .