You’ve received a price increase
Price increases are an indication of Term Insurance
You got your policy from a TV (Alex Trebec) or
mail solicitation (Colonial Penn)
These policies have a 2 year waiting period, next day options are available. There are usually cheaper options.
You have a Chronic Condition
Most conditions can be covered with a next day (no waiting period) Policy including COPD and Diabetes
You don’t have any life insurance
The earlier you get a Whole Policy, the lower the rates, and the rates are fixed for Life.