The premiums are based on the age when started, the height and weight, and if the person is a smoker or non-smoker. If the insurance premiums are mostly paid by the employee's then when you retire they can charge you the full monthly premium. It does sound a little high. Joni J Good Time to Shop Start shopping now, before you lose your low rate. Consumer Reports had a great article on shopping for life insurance in July '98.
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Both my husband and I qualified for the rating level and premium cost as quoted. Whatever you do, don't drop the other policy until you have the replacement policy in place. If the physical exam turns up something you don't know about, the insurance company will probably still insure you, but the rate may be too high to be worth it. There's even a free weekly email newsletter. All rights reserved unless specifically noted.