Clients often come to us with a common issue concerning the fact that their premiums are rising with each passing year. In continuation of this fact we have seen clients requesting to cancel their covers because it has become unaffordable. The real issue with the latter situation is that we have a situation where we see clients lose out on having covers when they have a maximum possibility to make claim -at their old age. This posed a real issue as clients were left with no insurance covers or were expected to pay a high premium which many times is unaffordable. We advised clients to consider a level premium option as opposed to a rate to age / stepped premium mode that was increasing with each passing year. The outcome of this approach was that premium increases when making the switch from rate to age to level but thereafter premiums will remain the same means no increase in premium. This approach has the following benefits for clients: i. Premium is not increasing which he