I have had cidp for 40 years. i'm now 50 and taking out life insurance. why is my insurance a third more than my wives?

Hmmm....: Premiums depend on when insurers think an insured might die. If they think a person will die later, that person may pay smaller premiums (for more years). Insurance companies also have promotional programs and other ways to make premiums look attractive, to get new clients. I presume we are talking about a wife, not wives. The stress of 2 wives may make a guy's insurance premiums higher!