If you have bought life or personal risk insurance recently, you may have been asked whether you want to opt for a "level premium".
This means you pay more for your cover now than you normally would.
But over time, the premiums you pay do not increase with your age.
from
http://www.stuff.co.nz/business/96313333/Level-policies-are-a-good-deal-if-you-hold-on-to-your-insurance-for-life
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