Can Life Insurance Companies Raise Premiums? 
Life Insurance policies are always level term policies meaning that the premium will never raise for the life of the policy . So if you are 25 years old and you buy the policy at that age and at the rate charged which will pertain to risk like smoking , of any other conditions then you will pay the same premium for the lifetime . The only exception is that if you have a Term Life Policy , in which you will pay the same premium for the term of 10 , 15 , 20 , or 30 years then when that term is completed you may buy another Term but the rate will change due to age or health , so you will definItely pay a higher premium . 