That’s a good question for sure. I didn’t even know that this affect my insurance plan at the moment and I will definitely look into how they will affect my monthly rates as well. I always love to investigate my insurance plan the same way I did when I even chose it. I was going through a lot of information around the Internet in regard to what requirements I have to meet, as well as many articles that I found online https://www.lifeinsuranceblog.net/life-insurance-rates-by-age that explained in detail how the age brackets work and what rates I should expect to pay for the long term future.