where can i get a short-term life insurance policy?
Data as of Sep 21, 2026 · Based on 371 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
Data as of Sep 21, 2026 · Based on 371 AI responses from ChatGPT Search and Google AI Mode · See how Parse measures this
If you need a short, 1-year policy you can buy quickly, 
Brands AI recommends here
Named in 69% of answers
Named in 68% of answers
Named in 54% of answers
Best when you want a 1-year, low-cost policy fast: Fidelity Life (via Progressive) is repeatedly cited for online, no‑exam short-term coverage—confirm limits and exact pricing.
Named in 36% of answers
Source | Citation share |
|---|---|
Short-Term, Low-Cost Life Insurance - Progressivehttps://www.progressive.com/life-insurance/1-year-short-term-life-insurance/ | 10% |
 Short-Term Life Insurance - Aflachttps://www.aflac.com/resources/life-insurance/short-term-life-insurance.aspx | 7% |
Life Insurance: Find Affordable Coverage Fast - Progressivehttps://www.progressive.com/life-insurance/ | 3% |
Term Life Insurance - Aflachttps://www.aflac.com/resources/life-insurance/term-life-insurance.aspx | 3% |
 Ladder Life | Flexible life insurance in minutes.https://www.ladderlife.com/ | 2% |
 Life Insurance Quotes & Policies | Liberty Mutualhttps://www.libertymutual.com/life-insurance | 2% |
 Term Life Insurance – Get a Quote - Allstatehttps://www.allstate.com/life-insurance/term-life-insurance | 2% |
 6 Times Short-Term Life Insurance is a Good Idea - NerdWallethttps://www.nerdwallet.com/insurance/life/learn/short-term-life-insurance | 2% |
 Term life insurance | Protect Your Loved Ones | Fidelity Investmentshttps://www.fidelity.com/life-insurance/term-life-insurance/overview | 2% |
 Temporary Life Insurance | LifeInsurance.orghttps://www.lifeinsurance.org/questions/temporary-life-insurance | 2% |
If you mean **life insurance that lasts only a short time**, look for **term life insurance**. In New York, term policies can legally be as short as **1 year**, with 5-, 10-, 20-year terms also common. [Department of Financial Services](https://www.dfs.ny.gov/consumers/life_insurance?utm_source=chatgpt.com) [NAIC…
If you mean life insurance that lasts only a short time, look for term life insurance. In New York, term policies can legally be as short as 1 year, with 5-, 10-, 20-year terms also common.
A few places to start:
If you only need coverage for a few months to 1 year—for example, while waiting for another policy, covering a loan, or filling a gap between jobs—the 1-year type is the closest match. If you tell me how long you need it (e.g. 3 months, 6 months, 1 year), how much coverage you want, and your approximate age, I can help you narrow down the options and what they typically cost.
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…
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:
Yes. If by **short-term life insurance** you mean coverage for roughly **one year**, there are a few options. - **Progressive Life Insurance by eFinancial** — explicitly offers a **one-year short-term life insurance policy**, with no medical exam and online application.…
Yes. If by short-term life insurance you mean coverage for roughly one year, there are a few options.
One important distinction: 10-year term life isn't necessarily "short-term" insurance. If you only need coverage for a few months or one year—for example, while changing jobs, waiting for another policy, or covering a temporary financial obligation—ask specifically for one-year term / annual renewable term / temporary life insurance.
If you're in Wisconsin, there are also local options such as BetterLife, which offers term life insurance in Wisconsin.
If you tell me your age, how much coverage you need (e.g. $100k/$500k/$1M), and how long you need it (e.g. 3 months, 6 months, 1 year), I can look for the most suitable options and current prices.
True standalone "short-term" life insurance (lasting 1 year or less) is relatively niche because most life insurers structure their standard term policies to begin at 10 years. However, you do have a few specific options depending on your exact timeline and needs: - **1-Year Renewable or Short-Term Policies:**…
True standalone "short-term" life insurance (lasting 1 year or less) is relatively niche because most life insurers structure their standard term policies to begin at 10 years. However, you do have a few specific options depending on your exact timeline and needs:
To help narrow down the best path, tell me:
I can point you toward the most cost-effective provider for your scenario.
If you are looking for true short-term life insurance (such as a 1-year policy) or immediate temporary coverage, your options depend on what you mean by "short-term." - **1-Year Renewable Policies:** If you need a standalone policy that lasts for just 12 months, options are rare on the open market, but major providers…
If you are looking for true short-term life insurance (such as a 1-year policy) or immediate temporary coverage, your options depend on what you mean by "short-term."
To help narrow down the best path, could you share:
Yes. If by **short-term life insurance** you mean coverage for only a few months or about a year, there are a few options. - **Temporary life insurance:** Usually lasts **12 months or less** and is specifically designed to bridge a temporary gap.…
Yes. If by short-term life insurance you mean coverage for only a few months or about a year, there are a few options.
One important distinction: If you only need coverage for, say, 3–6 months, don't automatically buy a 10- or 20-year term policy. A temporary policy or 1-year term may fit better. If you need coverage for 1–5 years, a normal term policy can sometimes be surprisingly inexpensive.
If you tell me your age, how much coverage you need (e.g. $100k/$500k/$1M), and how long you need it (e.g. 6 months, 1 year, 2 years), I can look up the best current options and approximate prices for you.
True "short-term" life insurance (policies lasting 1 year or less, or temporary coverage during an application process) is relatively niche, but several major carriers and brokers offer specific solutions.[](https://www.aflac.com/resources/life-insurance/short-term-life-insurance.aspx)…
True "short-term" life insurance (policies lasting 1 year or less, or temporary coverage during an application process) is relatively niche, but several major carriers and brokers offer specific solutions.
Where to Get Short-Term or 1-Year Policies
The Shortest Standard Alternative: 10-Year Term
If a 1-year policy is too restrictive or expensive relative to the payout, the most common alternative is a 10-year term life insurance policy (offered by most major providers like Fidelity Life Insurance or Banner Life ). Even though it spans 10 years, you can cancel or drop the policy at any time without penalty, and 10-year level premiums are often surprisingly inexpensive.
To help narrow down the best path, could you tell me:
If you mean **short-term life insurance (temporary coverage for months to a few years)**, you have a few options: - **One-year term life insurance / annual renewable term (ART):** Designed for temporary needs, such as being between jobs, waiting for a longer policy to be approved, or covering a short financial…
If you mean short-term life insurance (temporary coverage for months to a few years), you have a few options:
You can also shop through a licensed life insurance broker (often useful if you need a very specific coverage period or have health considerations). Some broker marketplaces compare multiple insurers, including temporary coverage options.
A few things to check before buying:
If you tell me your state, your age range, how long you need coverage (e.g., 3 months, 1 year, 2 years), and roughly how much coverage you want, I can narrow down the best places to look.
When looking for a "short-term" life insurance policy, it helps to first clarify what kind of short-term coverage you mean. In the insurance industry, true short-term policies usually refer to 1-year renewable terms or instant no-exam policies, rather than standard 10- or 20-year term lengths. The top places and…
When looking for a "short-term" life insurance policy, it helps to first clarify what kind of short-term coverage you mean. In the insurance industry, true short-term policies usually refer to 1-year renewable terms or instant no-exam policies, rather than standard 10- or 20-year term lengths.
The top places and methods to get short-term or temporary coverage include:
To help point you to the exact right provider , tell me:
Yes. If by **short-term life insurance** you mean coverage for only a few months to a year, there are a few options in the U.S. - **[progressive.com](https://www.progressive.com/life-insurance/1-year-short-term-life-insurance/?utm_source=chatgpt.com)** — currently offers one-year policies through Fidelity Life, with…
Yes. If by short-term life insurance you mean coverage for only a few months to a year, there are a few options in the U.S.
One important distinction: “short-term” life insurance is different from short-term health insurance. A typical term-life policy pays your beneficiary if you die during the policy term; it doesn't expire simply because you stop needing it.
If you tell me your age, how much coverage you need (e.g. $100k/$250k/$500k), and how long you need it (e.g. 3 months, 6 months, or 1 year), I can look for the most practical options and estimated prices available to you.
