Income Protection Insurance - How to choose between the stepped or level income protection insurance?

There are two ways of paying the income protection insurance. One is stepped premium, which is cheaper at first but increasing over time, but level premium stays constant but it varies depending of the age on entry. This kind of payment start of expensive but after 10- 12 years it become cheaper and cheaper. A stepped premium kind of payment income protection is much better if you are planning to shop around and for long term is level premium. So, which one do you think is much better for you?

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