One of Your Financial Planning Clients, Ms

One of your financial planning clients, Ms. Renee Gardener has requested your advice in relation to a policy of life insurance she has decided to take out. Renee is single, 21 years of old and is living with her parents. She has recently secured full-time employment as a nail technician upon graduating with an advanced diploma from a local college. Having accepted the general provisions of the life policy, Renee is unsure as to whether it would be best for her to make premium payments based on a stepped or level basis. Provide some general advice to Renee in relation to her query.