what is a level death benefit 
a level death benefit is a payout from a life insurance policy that remains the same regardless of whether the insured person dies shortly after purchasing the policy or many years later there are also policies that offer the option of an increasing death benefit which rises in value over time generally speaking life insurance policies with level death benefits will charge lower premiums than those with increasing death benefits however this does not necessarily mean that level death benefits offer superior value since inflation can reduce the level death benefit s real value over time 