The average price of life insurance is different depending on your age, race, health, habits, job and many other factors. The best way is to contact 5 reputable companies to determine your average price and then make your decision based on that. A good financial advisor can assist you with this decision as well, and no you do not have to have a million dollars to speak with a financial advisor.
In many ways I feel like they will help you more than an insurance agent because they have a broader scope of your financial goals and what you can afford to handle. This is not meant to negate life insurance agents but just to give a different spin on prospective. And not all financial advisers charge for consultations but just do not take the advise of the first one you meet with, shop around.