bichon, because of the diabetes, I don't think any quote the OP would get on-line could be relied upon if an underwriter has not actually reviewed the OP's medical history. People should NOT be afraid of contacting an insurance broker. If one decides not to make any changes, simply declining to go further and telling the broker not to contact them in the future, will be sufficient to stop any future spam.
it should be pointed out, that term4sale does not sell insurance, rather it generates quotes without the input of personal information and THEN gives you the option to connect with insurance agents in your area. It only arms you with information.
I agree that everyone should use a GOOD agent. And there are so many, I wouldn't tolerate one that bothered me in the least bit. And a GOOD one should be able to help one figure out which companies frown upon certain medical conditions less than others. Using an agent will cost you no more.