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If you think premiums are high now, ask for a projection of what they'll be like in 10 years under stepped. That's why I chose level. In your late 40s, one of the reasons your premiums are high is simply because of your age. Looking at the premiums you'll probably wish you had set up level...

The cost of these types of insurance increases significantly as you get older. It can also be dependant on various occupations, lifestyles, etc. My own insurance (covering just about everything) cost around $6k. The premium for my life insurance is higher than usual because I enjoy some...