It's got nothing to do with age or discrimination.

There are two things going on here you are not considering.

(1) The time value of money. $53.00 15 years ago, is not the same as $53.00 today. You also have to figure in opportunity costs of capital and labor productivitiy.

(2) Now that you are 15 years older, statisically you are at a higher risk. It's is absolutely fair the Ins. co. raises your rate.

There is no "free lunch".

Charlie