Not had the same problem, but my father (who is 61) applied to life insurance recently and was quoted around £40 per month, after the medical went back to the company, they rasied the premium to £60, so he chased it up, to cut a long story short, there was nothing at all in the medical report to justify this increase, the doctor reccommended normal rates, but the company decided they wanted more dosh!
He spoke to another financial adviser who got the same level of cover for about £46/mth, much better.
Moral of the story, they are out to rip you off, shop around, hopefully will get a better deal. Good luck.
ps. Thats your 'little' brother???