Expense Charges and Cost of Insurance Fees. WTH?

Hello. First time posting here on this forum. I'll just come out and make this story short and sweet. Hopefully someone can chime in. I have been sold and have been paying $100 a month towards my kids' Flexlife insurance from NLC. Didn't pay no mind to it for awhile. After a year and $1,200 later, i got a statement mailed to me. After reading the summary, there was $300 some dollars in Expense Charges and $100 some dollars in Cost of Insurance, leaving a $700 some dollar net. Are these fees one time charges? Its Sunday and I can't call them. Also, my cousin is the agent that sold me this. Yea
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