There are many companies that send out sample price sheets (AARP, Globe, etc). You find your age, and face amount and the price looks good. The problem is, the price continues to increase. If you continue to investigate that chart, you will see that as you age, your price sharply increases. Even if you can stomach the price increases, they will reward your loyalty by kicking you out when you reach a certain age. This is not acceptable. Your family should not have to hope that you guess correctly on when you will pass away.