Cost of Insurance (COI)

The internal charge in a permanent life policy for the actual insurance protection. It rises with age and quietly eats into cash value if underfunded.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.