Are your life insurance premiums getting more and more expensive? There are some factors, which may be attributed to the costs of life insurance premiums. In many cases, you can expect to have lower premiums if you live a low risk lifestyle and are in reasonably decent health. A change in either one of these conditions can cause your insurance premiums to go up. You should know that there are certain factors that need to be taken into account when considering life insurance and you need to know how they affect your insurance premiums and whether you can do anything to control these effects.