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With stepped by the time you hit say 55 the premium can be that excessive that you end up cancelling it. Then you're in prime category to find somethings wrong with you and youre uninsured and stuffed. If it were level from the outset the premium doesnt increase over time so this aspect is...

I wouldnt go without it. One thing which hasnt been mentioned is that its tax deductable. So you protect your income, your assets with a deduction. I've seen enough people wish they had it after its been too late... one of those who thought it wouldnt happen to them. The stats are scary...