In relation to insurance for term-life policies with a stepped premium over time,the policy holder pays premiums:

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Stepped premium policies involve the policy holder paying premiums that increase gradually over time, typically at regular intervals (such as annually). This is in contrast to level premium policies, where the premiums remain the same across the life of the policy. The rationale behind stepped premiums is that they may be more affordable for the policy holder in the early years of the policy, when their income is lower or they have other financial commitments. However, the downside is that the premiums can become very expensive in later years, which may lead some policy holders to lapse or cancel their coverage.

In Relation to Insurance for Term-Life Policies with a Stepped