The Rule of 72 is a rough guide for calculating how long it would take to double your investment through compound interest, given a fixed yearly rate of return. (money.stackexchange.com)
If you're not looking closely, yearly rate increases can cause the price of your premiums to surge dramatically. (definefinancial.com)
It often increases the overall yearly rate you pay for your insurance policy, although some life insurance companies now include the rider for free with their initial policy. (bestliferates.org)