Your risk of illness increases as you get older and this is reflected in your premiums. Some plans allow you to pay a level premium by charging you a much higher premium now and then using part of this money to offset your increased risk in later years. However, the CBIA takes a different approach. We believe you should pay a premium that reflects the risk you present to the insurer today, not tomorrow. So, as you age our premiums gradually increase. When compared to most level premium health care plans, the cost of owning CBIA’s coverage can be much less over your lifetime.