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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.
sharing life image by feisty from Fotolia.com. Ordinary life insurance provides insurance protection for the whole life of the insured, that is, from the time of the policy's purchase until the death of the insured. It is called ordinary because the premiums remain level, unchanged for the life of the insured. In contrast, term life insurance policies provide protection for a specified term of one or more years. Other whole life policies can have flexible premium payment options different from ordinary life policies.