are loan insurance premiums base on the Original amount of the loan?

i recently purchase a new car and i insured my loan with life and disability insurance through the bank
the insurance premium stay the same through the life of the loan. does that mean that if i die with $ 10,000 left owing that the bank will get the balance owing on the car ,plus the extra 20,000 or are these insurances strucured to decreace as the loan is paid off

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