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The question is a little unclear as there is no "general" or standard life insurance. The closest would probably be regular Whole Life (as opposed to Term Life which is also popular), so I will describe that. Prices do not increase. Policy will not expire. Policy builds cash value over time, that you can access as a loan while keeping the policy, or that you would receive back if it was cancelled (surrendered). Whole Life is usually more expensive than other types of insurance, for the same amount of coverage.
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