Hello,
I think you can check Filters, the warning message mentions filters applied to the WP mailing system, specifically wpcf7_phpmailer_init and wpMailSMTP\Processor::phpmailer_init. These might be interfacing with test emails.
Some plugins might have options to bypass filters for test emails. Also you can use default PHP Mail function. If these steps don’t work, try temporarily healthinsurancemarket switching your email sending method back to the default WordPress PHP mail function (Settings > General).