If the premium can fluctuate at the policyowner's discretion, meaning it can be increased, decreased, or even skipped at any premium due date, what premium paying method was used?

The correct answer is - flexible premium.

Explanation:

Flexible premium is the premium that can fluctuate at the policy owner's choice or financial status which means it can decrease, increased or even leave at any premium due date however the interest rate must be the same.

A policy in which the insured can modify the amount and schedule of premium payments but guaranteed minimum interest rate.

Thus, the correct answer is - flexible premium.

i believe it is the last one. im sorry if im wrong!