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I had just done some google searches and did some online quotes. I randomly picked one and contacted them. It was some guy out of Florida that I bought my policy from. His website was primarily life insurance it appeared. I'm not sure what else he did. I was really just working on a budget. I wanted as much coverage as I could get for a monthly price. But when the premiums were higher than I thought I'd qualify for, I settled for less on myself. And I still have nothing on my wife (other than what I get from my company which is 1x annual income for spouse).
Find an independent agent that is licensed in OK and have him shop it out. It sounds like the guy you have took some short cuts. I say sounds because we do not know the whole story.
Go to term4sale.com and run some quotes based on Std. You both possibly could qualify for better but Std is a good place to start. A 30 year plan for a 30 year old female is very low cost. Find an agent that you trust.
If you do not have anyone local reach out to me. [email protected]
Lee