I got a cheque from my insurance company

My BIL called me up this afternoon and told me he's banked in the cheque for me already. It's the refund of my deposit and some other form of loss of income compensation from my last hospital stay, remember?? I wonder if this is what's contributing to the rise of our premium. My BIL also told me life insurance rates have gone up and it will keep going up. If you havent bought life insurance yet, you'd better hurry up and check with your insurance agent how much you need to pay. It gets higher each year as you age.