Why Is A Flexible Premium Life Insurance Policy Better Than Fixed Premium Permanent Life Insurance? 
Why is flexible life better than fixed premium life ? ONLY if it fits your needs and you maintain a close watch on your policy . There is no insurance policy that is better than the other . It will come down to what you need it for . How long do you want it ? What do you want it to do ? When you look at a purchase of an insurance policy you will find a wide range of policies and prices . The cheapest one to start may very well be the most expensive if you live too long . The most expensive to start with may actually turn out to be the cheapest if you live a long time . A flex premium policy will require more diligence from the consumer than a fixed premium plan . Skipping premiums or underfunding a flex plan can and often does lead to policies that self destruct over time . A fixed premium policy by it 's nature , is just a steady plan designed for consistent regular premiums . A flex policy gives the owner a lot more freedom , but in most cases , not the best idea . In other words flex policies have more risk than a fixed premium plan . 