Can A Whole Life Insurance Policy Premium Be Increased By The Insurer? 
Could it be possible that they did not pay back interest on the money they borrowed ? That might be why that amount is owed . You can get an explanation for the premium by calling the life insurance company that your father-in-law 's policy is with . They are usually very helpful about explaining things like that . Or it could be that a mistake was made and then you can report it . 