What’s your actual question here?

Life insurance, if you can afford it, is worth it. You know you’re going to use it eventually. A term policy, maybe not so much but a whole life policy, someone is getting that money eventually.

Yes if you die while you’re employed, you have life insurance, but it’s also true that when you quit, that life insurance goes away too. So it’s not a safe bet.

Having multiple lines of insurance will give you a discount. So it’s not strange that you’re getting a lower quote on your car insurance if you’re also getting life insurance too.

The difference between 155 and 159 might be due to the deductibles. One quote has 500 and one quote has 250.