你一定是和我一样买的是permanent life insurance.

当年所谓的过了X年就不要交了，是指的到那时，你保险的每年分红就能cover your annual premium了。

我买的是manulife whole life insurance in 2006 with annual dividend purchasing additional life insurance. My annual premium is about $3500, and my current annual dividend is about $2900 (growing every year). The dividend is low mainly due to the low interest rate in the past 15 years (before 2022), with high interest rate in the past two years and in foreseeable future, I expect more dividend from now on. So I expect my dividend to cover my premium with next 3 to 4 years and then I will instruct the insurance company to use the dividend to pay the premium, and so I can stop paying my premium.