No no. It doesnt work like that. The premium pay table shows premium payable by age groups. Example like this:

Age        Premium per month
30-38    400
39-45    650
46-55    850
56-65    1500
66-80    2000

So if you buy at 35 memang u pay 400 a month. As you age to 56, u need to pay 1500 a month.
If you buy at 56, u pay 1500 a month. This pricing is as off now, can be repriced by the insurance company.

So buying earlier allows earlier coverage, when old sick the insurance company won't let u buy also. Also buying earlier gives chance to build up cash value in the plan for use in old age lo. Thats all jer.

I tembak only bro. Not actual. Example only