Always keep up with your premiums. If you miss payments it may mean your policy may be void or will not payout the expected amount. Also take into account any admin or late payment fees that may apply.
If you have had your policy for many years it maybe costing you too much as life insurance premiums have decreased significantly in the past 10 years.
Many of us are underinsured and that includes our life insurance cover-check your cover to make sure your family don't lose out.