Usually not. On most permanent life insurance, the premium is set when you buy the policy and stays the same for as long as you pay it. The exception is universal life with a yearly increasing cost of insurance: the monthly cost rises as you age, so your account, or what you pay in, has to keep up.
Do permanent life insurance premiums go up as I get older?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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