Fees Paid for Making Partial Payments

Does anyone have any issues with paying in installments for insurance and then getting charged a fee for paying in installments?
For example
Life insurance could be $150 per year but if you chose to pay monthly, quarterly or semi-annually you are penalized. The life insurance invoice does not state the obvious. There is a fee if you pay in installments.

Our auto insurance has a similar fee if you pay monthly rather than every six months. You are charged a set dollar amount with every installment payment that you make.

I would prefer that the extra charges were obvious. Always pays to do the math.
So if I am willing to pay for a full year of life insurance I could save up to 8%. 8% penalty or fee for monthly payments; 6% for quarterly payments and 4% for semi-annual payments.