Premiums for Life, Total and Permanent Disability, Trauma and Income Protection Insurances can be paid by either the stepped or level options. Stepped premiums ordinarily start at a lower price, however these increase dramatically with age and often become unaffordable for the policyholder at a certain age. The alternative are level premiums, which may start off much higher than the stepped premiums however level premiums remain constant over time and do not increase with age. For your people in particular, it is recommended to consider level premiums to ensure future affordability of their insurance policies.