{"id":3736,"date":"2021-09-24T14:43:23","date_gmt":"2021-09-24T06:43:23","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=3736"},"modified":"2026-02-07T20:41:49","modified_gmt":"2026-02-07T12:41:49","slug":"what-causes-your-insurance-premiums-to-soar","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar","title":{"rendered":"What Causes Your Life Insurance Premiums To Soar?"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d76ac51ebcf\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d76ac51ebcf\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#What_is_an_insurance_premium\" title=\"What is an insurance premium?\">What is an insurance premium?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#Factors_that_can_make_your_life_insurance_premium_soar\" title=\"Factors that can make your life insurance premium soar\">Factors that can make your life insurance premium soar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#1_Age\" title=\"1. Age\">1. Age<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#2_Health_and_Underwriting\" title=\"2. Health and Underwriting\">2. Health and Underwriting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#3_Smoking_and_Lifestyle_Choices\" title=\"3. Smoking and Lifestyle Choices\">3. Smoking and Lifestyle Choices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#4_Family_Medical_History\" title=\"4. Family Medical History\">4. Family Medical History<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#5_Gender_and_Longevity\" title=\"5. Gender and Longevity\">5. Gender and Longevity<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#6_Broader_Healthcare_Cost_Increases\" title=\"6. Broader Healthcare Cost Increases\">6. Broader Healthcare Cost Increases<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#7_Increased_Claims_and_Higher_Utilisation\" title=\"7. Increased Claims and Higher Utilisation\">7. Increased Claims and Higher Utilisation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#8_Risk_Pooling_and_Industry_Practices\" title=\"8. Risk Pooling and Industry Practices\">8. Risk Pooling and Industry Practices<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#How_to_reduce_life_insurance_premiums\" title=\"How to reduce life insurance premiums?\">How to reduce life insurance premiums?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_is_an_insurance_premium\"><\/span>What is an insurance premium?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i1.wp.com\/www.iii.org\/sites\/default\/files\/p_lifeinsurance12_821759032.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>An <strong>insurance premium<\/strong> is the amount you agree to pay for your coverage \u2014 whether it\u2019s life, medical, or other types of insurance. Premiums aren\u2019t fixed forever; they\u2019re based on risk factors that insurers calculate when issuing a policy. Because people\u2019s circumstances and broader costs change over time, premiums can also change.<\/p>\n\n\n\n<p>Let\u2019s break down the <strong>main factors<\/strong> that make your insurance premiums go up \u2014 and what you can do about it.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Factors_that_can_make_your_life_insurance_premium_soar\"><\/span>Factors that can make your life insurance premium soar<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Age\"><\/span><strong>1. Age<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your age has a big impact on your premiums. Generally, the older you are when you take a policy, the higher the premiums. That\u2019s because insurers view older individuals as having a higher risk of health issues or death compared with younger adults.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Health_and_Underwriting\"><\/span><strong>2. Health and Underwriting<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurers assess your health when you apply \u2014 through questions, medical checks, and sometimes lab results. If you have health concerns (like diabetes or heart issues), this suggests higher risk and can raise your premium.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Smoking_and_Lifestyle_Choices\"><\/span><strong>3. Smoking and Lifestyle Choices<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Smokers generally pay more for life and health insurance than non\u2011smokers. This is because smoking is linked to serious conditions like cancer, stroke, and heart disease, which increase the likelihood of claims.<\/p>\n\n\n\n<p>Lifestyle and occupational risks \u2014 like engaging in extreme sports or working in hazardous jobs \u2014 also make premiums higher because they raise the probability of injury or claims.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Family_Medical_History\"><\/span><strong>4. Family Medical History<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurers consider your family\u2019s medical history when assessing your risk. Conditions that run in families \u2014 like certain cancers or hereditary illnesses \u2014 can signal higher future risk, which may increase your premiums.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"5_Gender_and_Longevity\"><\/span><strong>5. Gender and Longevity<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Across many life insurance markets, women often pay lower premiums than men. This is because women generally have longer life expectancy, which translates into lower risk from the insurer\u2019s perspective.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"6_Broader_Healthcare_Cost_Increases\"><\/span><strong>6. Broader Healthcare Cost Increases<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>For <strong>medical and health insurance<\/strong>, premiums are very sensitive to changes in <strong>medical costs<\/strong>:<\/p>\n\n\n\n<ul><li>Medical inflation \u2014 the rising cost of treatments, tests, medicines, and hospital services \u2014 has outpaced general inflation in recent years.<br><\/li><li>Use of advanced medical technology and newer treatments increases the overall cost of care.<br><\/li><li>A rise in chronic conditions in Malaysia, like diabetes, hypertension, and heart disease, increases claims and pushes insurers to adjust premiums.<br><\/li><\/ul>\n\n\n\n<p>Insurance associations in Malaysia have noted that rising claim costs and greater utilisation of healthcare services are major reasons medical premiums have climbed sharply over the last few years.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"7_Increased_Claims_and_Higher_Utilisation\"><\/span><strong>7. Increased Claims and Higher Utilisation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>More frequent use of healthcare services \u2014 partly due to an ageing population and post\u2011pandemic care backlogs \u2014 means insurers pay out more in claims. When claims costs rise industry\u2011wide, insurers often adjust premiums to keep their plans financially sustainable.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"8_Risk_Pooling_and_Industry_Practices\"><\/span><strong>8. Risk Pooling and Industry Practices<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurance pricing relies on pooling premiums from many policyholders to pay claims for those who need it. If the overall cost of claims rises (for example, due to more severe illnesses or increasingly expensive treatments), insurers may raise premiums across the board to keep the pool viable.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"How_to_reduce_life_insurance_premiums\"><\/span>How to reduce life insurance premiums?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i0.wp.com\/miro.medium.com\/max\/1400\/1*IBEUUGI3bqSrJEUOoTkp7Q.jpeg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>While many premium drivers are external and beyond any one individual\u2019s control, there <em>are<\/em> factors you <em>can<\/em> influence:<\/p>\n\n\n\n<ul><li><strong>Start early:<\/strong> Younger applicants typically receive lower premium rates.<br><\/li><li><strong>Maintain good health:<\/strong> Healthy habits can lead to better underwriting outcomes and lower costs.<br><\/li><\/ul>\n\n\n\n<p><strong>Shop for competitive plans:<\/strong> Comparing insurers and products helps you find plans that balance cost and coverage.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Insurance premiums are influenced by a mix of <strong>personal factors<\/strong> (age, health, lifestyle) and <strong>broader market and economic factors<\/strong> (medical inflation, utilisation rates, industry risk pooling). Understanding why premiums rise can help you make informed decisions \u2014 like securing coverage earlier, managing your health, and comparing policies \u2014 so you can strike the right balance between cost and protection in 2026 and beyond.<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-neve-link-color-background-color has-background\" href=\"https:\/\/bjak.my\/ms\/life?utm_source=blog&amp;utm_medium=&amp;utm_campaign=what-causes-your-insurance-premiums-to-soar\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>There are various factors that affect the life insurance premiums and it is not always the same for every applicant.<\/p>\n","protected":false},"author":7,"featured_media":3765,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[359],"tags":[59,127],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Life Insurance Premiums: What Causes It To Increase?<\/title>\n<meta name=\"description\" content=\"Learn about the common factors that cause your life insurance premiums to increase over time and how to reduce them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Life Insurance Premiums: What Causes It To Increase?\" \/>\n<meta property=\"og:description\" content=\"Learn about the common factors that cause your life insurance premiums to increase over time and how to reduce them.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/what-causes-your-insurance-premiums-to-soar\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-24T06:43:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-07T12:41:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/life-insurance-premium.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nurul\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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