At What Age Do Life Insurance Rates Increase? 
The age at which life insurance premiums increase , IF they increase , depends on the policy you have . If you have term life insurance , premiums will go up when the guaranteed period ends . That is usually when the number of years in the term is up -LRB- e.g. if you have 10 year term , premiums go up 10 years from the time you purchased the policy -RRB- . However , some premiums are not guaranteed to stay the same for the full term period . So be sure to ask what the `` guaranteed level '' period is when you buy your term life insurance policy . With Whole Life or Universal Life , you might never have a price increase . Again , it depends on the policy . Some organizations offer policies that can raise rates at any time , as long as you are not singled out for the price increase . Others will raise rates every 5 years , or at certain ages . If you buy a Whole Life or `` no-lapse '' Universal Life policy from an agent , your premium will usually be locked in for your lifetime . 