Wondering why your life insurance premiums keep climbing every year? There's a better way! Rebecca, our insurance specialist, reveals the power of level life insurance - a game-changing option many New Zealanders don't know exists.Imagine locking in your premium at age 18 and still paying that same amount at 99! While level premiums cost more upfront, they can save you thousands upon thousands over your lifetime. Some insurers even offer "level to 100" policies where if you reach that milestone, your coverage continues free until you pass away. This episode breaks down exactly how this works compared to traditional stepped premiums that increase with age and inflation.We explore how you can strategically combine both premium types for optimal coverage - perhaps using level premiums for inevitable expenses like funeral costs while keeping stepped premiums for debt-related coverage that you'll eventually reduce. Rebecca shares how even those in their 40s and 50s can benefit from switching portions of their coverage to level premiums. We also discuss how life events like marriage, having children, or separation affect your insurance needs, and why regular reviews are essential. Think of your financial protections as bricks in a wall - they need regular maintenance to withstand life's storms.Insurance doesn't have to be the scary, overwhelming beast many people avoid. Working with knowledgeable advisors is like having someone hold your hand and shine a light on what once seemed too intimidating to face. Ready to learn more? Join our upcoming webinar where we'll show detailed projections of how level premiums can work for your specific situation and age. Your future self will thank you for the thousands saved!Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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