Depending on your circumstances, it might be worth opting for a stepped, level or hybrid insurance premium structure. First, it’s important to understand what stepped and level premiums mean. The Bongiorno Group’s Head of Risk Advisory Services, Yanish Geerdharry, discusses the difference between the two with Client Relationship Manager, Tom Will.
 
A combination of stepped and level premiums can offer flexibility and coverage customisation.
 
Bongiorno Group
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This general advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of this advice before acting on it. If this general advice relates to acquiring a financial product, you should obtain a Product disclosure Statement before deciding to acquire the product.