We offer level premiums that stay the same, yet our policies have the flexibility to change. A premium will only change for one reason: that is if you decide to change it! Policyholders can adjust their coverage, via their account, which may require underwriting. Their monthly premium will either increase or decrease depending on how they adjust.
For example, if you have a $500,000 Term Life insurance policy and decide to increase your coverage to $750,000, your premium will go up. The inverse is also true—if you think you have too much coverage and decide to decrease your coverage, you are likely to save money with a lower monthly premium.