Why Is My Life Insurance Premium So High? 
Good question ! This is something everybody wants to know . Here are some possible reasons for your high premium : 1 -RRB- you represent a very high risk , such as someone who unfortunately has a serious illness , or who engages in an adventurous hobby such as skydiving ; 2 -RRB- you have a guaranteed premium until age 121 -LRB- as opposed to age 100 , or for 30 years -RRB- ; 3 -RRB- you are 85 years old -LRB- the premium for an 85-year-old is higher than for a 35-year-old -RRB- ; 4 -RRB- you applied with a company that is not competitive for the type of risk you represent - so they slammed you with excessive extra premium . 