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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.
Permanent life insurance is an ideal coverage option for the following scenarios: 1  You donât want to outlive your policy. 2  You donât want to have to convert to a permanent policy when your term runs out.  You want your premium to stay the same for the rest of your life.