Below are some of the reasons why life insurance cost can go up:

1. Age: As you get older, your life insurance premiums may increase because the risk of death increases with age.

2. Health: If your health deteriorates over time, your life insurance premiums may go up as well because the risk of death or illness increases.

3. Policy type: If you have a term life insurance policy, your premiums may go up when the policy is up for renewal, as the cost of insurance tends to increase over time. If you have a permanent life insurance policy, the cost of insurance may increase as you age, although this can be mitigated by accumulating cash value in the policy.

4. Inflation: Inflation can also contribute to life insurance cost increases over time, as the cost of living and the amount needed to provide for your beneficiaries may increase.

It’s important to note that while your life insurance costs may go up over time, the amount of coverage you have may also be increasing to keep up with inflation or changes in your financial situation.

If you are on a certain plan, the premium you’ll pay may not even changed at all because the differences are covered already and automatically covered within your policy.

It’s a good idea to review your life insurance policy periodically to ensure that it still meets your needs.