回复：我们该买这个人兽保险吗？

"每月要付３００，保额１００，０００" this sounds too much...
I would stay with term life, saying up to 65 yo, since it's for the kids and family anyway. The other one is to make sure the amount is fixed or adjusted every year.
"身体检查" may actually help with the payment if everything is fine as you mentioned, I would go through the underwriting.

Good luck.