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Graded premiums typically associated with non-cancelable policies start at a lower initial amount and gradually increase over time, which is why this answer is correct. This structure is designed to make coverage more affordable in the early years while still providing eventual stability in premium payment as the policyholder ages or as risk factors change.

The incremental increase allows policyholders to manage their budgets efficiently, especially during the initial phases of coverage when they may have limited financial resources. Eventually, the premiums reach a certain level and may stabilize, but the key characteristic is that they start lower and increase, differentiating them from other structures that maintain consistent rates or decrease over time.