I only had life insurance when my kids were young. Once grown and moved out I discontinued it. My wife and I hade money so no need for life insurance. But all insurances always goes up. Regardless if you file no claim. Have no health issues. Have 20 year old junkers for cars. They jack up rates. So not a fan of insurance companies. Oh I know they’re in the business to make money. they also have the power to drop your policy.