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Level premiums generally start out higher than stepped premiums, but don’t increase in line with your age.

Your age when you first take out the policy, your gender, and the sum insured are all used to calculate how much your premiums will cost.

You can have up to $15,000 insured with level premiums.

Please note: Although your premiums won’t increase with your age, they may still increase slightly as time goes on. This is because your sum insured will increase in line with inflation due to what is called the Automatic Indexation Benefit. Your premiums will increase to cover this.