Seems rather high to me. I have a life policy that I pay $40 a month for and I get almost as much disability coverage as that. (though I am in Canada if that makes a difference)

I would keep looking. Go to an Insurance Broker. That usually saves some time.

Sounds about right. Ask the agent what companies they looked at and they should be able to name about 2 or 3 others.

Make sure that it also covers partial or residual disability because a “total only” contract will only payout if she cannot work at all. Carpel tunnel, bad back, etc wouldn’t completely prevent her from working, but it might slow her down.