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The policy can have different amounts of insurance for each ladder step. There needs to be a 30 year term component. This portion can be the largest component of the plan, or can be smaller than the other laddered riders. Example: Total of $4,000,000 of coverage. $1,000,000 as a 10 year rider. $3,000,000 as a 20 year rider. $1,000,000 as the base 30 year coverage.