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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 universal life insurance? As your life changes â marriage, parenthood, promotions, retirement â your insurance needs may change as well. To adapt to your ever changing life, and continue to meet your insurance needs, thereâs universal life insurance. Universal life is a variation of permanent life insurance that offers a wide variety of advantages. Like most permanent life insurance policies, Farmers New World Life Insurance Company's universal life options offer lifelong coverage,2 as long as all premiums are paid to keep the policy in force.