Because of the finalist nature of this insurance, the LEVELED PREMIUMS modality, which as its own name indicates, keeps the premium to be paid throughout the life of the insured, and except for the capital increases, the premium remains constant. This modality at the beginning is the most expensive, but as of retirement, when the purchasing power is lower, the premium is cheaper than any of the other modalities, when calculating the same respecting the age of income in the Company. This type of insurance is the most widespread in Spain, since more than 90% of death insured (22 million Spaniards) have an insurance policy of these characteristics.