Data as of Oct 5, 2026A topic in Life Insurance Quotes and Policies.
Reviewed by Dimitry Apollonsky
AI summary
Fidelity Life holds a wide lead for short-term life insurance coverage. Aflac serves as the usual recommendation when buyers ask where to obtain a policy.
providing short-term life insurance coverage options
securing temporary term life insurance policies
comparing short-term quotes across multiple insurance carriers
affordable term coverage over shorter policy durations
term life insurance that can be short in duration
Mentioned in · Jul 5 – Oct 5, 2026
ChatGPT SearchSep 23, 2026
If you mean temporary life insurance for a few months to a few years, the product you’re usually looking for is term life insurance. The NAIC says term policies are commonly available for 1, 5, 10, or 20 years, and some insurers offer annual renewable coverage.
A few places to start:
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I'm looking for temporary life insurance options. Who sells these policies?
If you need something like 3–12 months, tell the insurer you specifically need annual renewable term (ART) or temporary life insurance, rather than simply asking for a 10-year term. Annual renewable term is specifically designed for one-year coverage with the option to renew, although premiums generally increase with each renewal.
If you tell me how long you need it (e.g. 3 months, 6 months, 1 year), how much coverage you need ($100k, $500k, $1M), your age, and what state you're in, I can look up the currently available options and approximate prices.
True "short-term" or 1-year renewable life insurance policies are relatively rare because most standard term life policies start at 10 years . However, a few major carriers and digital platforms specialize in 1-year or annually renewable temporary coverage.
Where you can look for a short-term policy depends on what you need:
To help narrow down the best path, tell me:
When looking for short-term life insurance, it helps to know that the industry typically splits "short-term" or temporary coverage into a few distinct categories depending on what you actually need it for: Annual Renewable Term (ART) / 1-Year Term policies , and Temporary coverage during underwriting.
The main providers offering these options include:
To help narrow down the best provider for you, tell me:
ChatGPT SearchOct 5, 2026
If by short-term life insurance you mean coverage for only 1–5 years, your choices are more limited than with conventional 10-, 20-, or 30-year term insurance. The product to look for is usually annual renewable term (ART) or yearly renewable term (YRT). Premiums generally rise as you renew.
| Provider | Short-term option | Notes |
|---|---|---|
| New York Life |
| One of the stronger options if you specifically want annual renewable coverage; available starting at $250,000, with eligibility listed as ages 18–75. |
| Northwestern Mutual | Annual Renewable Term / Term 80 | Annual-renewable coverage, with premiums increasing each year; particularly interesting if you want coverage that can continue for many years. |
| State Farm | Annual renewal after level-term period; also Instant Answer Term | Its Instant Answer Term provides $50,000 of coverage until age 50 or for at least 10 years, so it's not a true 1-year policy but can be useful for relatively short needs. |
| Banner Life / William Penn | Yearly Renewable Term | Listed among current ART/YRT providers, with relatively broad age eligibility. |
| Protective Life | Annual Renewable Term | Another carrier offering ART, potentially worth comparing through an independent agent. |
| Transamerica | Trendsetter YRT | Offers yearly renewable term alongside its other term products. |
If you're willing to go out to 10 years, the market becomes much larger. For example, Ladder offers 10-, 15-, 20-, 25-, and 30-year term policies, while State Farm offers 10-, 20-, and 30-year terms.
One important catch: a 1-year policy isn't necessarily cheaper than a 10-year level-term policy when you look at the total cost. ART premiums typically increase at renewal, whereas a level-term policy locks in the premium for the selected term.
If you tell me your age, desired coverage amount (e.g. $250k/$500k/$1M), how many years you need it, and whether you want no-medical-exam coverage, I can narrow this down to the best current options and approximate pricing.
