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flexible premium variable life insurance. Definition. A form of life insurance that combines adjustable features from other types of policies into one instrument. First, it allows premium schedules to be designed by the policy owners in both frequency and amount within certain restrictions. Premiums can also be suspended and restarted at the owner's discretion.
What is term life insurance? Term life insurance provides protection for only a specified period of time â usually 10, 15, 20 or 30 years. There is no cash value associated with term life coverage, which is why premiums are often lower than for other types of insurance. Some term life policies may offer greater flexibility such as terms for return of premium and the potential to convert to whole life insurance.