Section 431:10H-207 - Premiums charged-group and individual policies(a) The premium charged to an insured shall not increase due to either: (1) Increasing age of the insured at ages beyond sixty-five; or(2) The duration the insured has been covered under the policy.(b) The purchase of additional coverage shall not be considered a premium rate increase, but for purposes of the calculation required under section 431:10H-233, the portion of the premium attributable to the additional coverage shall be added to and considered part of the initial annual premium.(c) A reduction of benefits shall not be considered a premium change, but for purpose of calculation required under section 431:10H-233, the initial annual premium shall be based on reduced benefits.