Short Term Life Insurance

The most popular type of life insurance policy purchased today is Short Term Life Insurance.

Why? Because, it’s the least expensive type of life insurance available, and it works well for people who want life insurance protection for a specific number of years.

Term life insurance plans are good for people with young children who want to provide protection until their kids are grown, or out of college. Or, to protect your mortgage on your home.

Term life insurance policies are sold for a specific number of years – usually 5, 10, 15, 20 or 30 years. The other type of life insurance – permanent life insurance, provides protection for your entire lifetime.

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A term life policy is very affordable compared to permanent life insurance. A permanent life policy may cost you 2-3 times more than term life insurance.

There are many things to consider when shopping for a term life insurance plan.

For instance, will your premiums increase each year? With short term life insurance you can choose the level term life insurance policy that provides you with level premiums. So your premium will be the same each year. Also, your amount of life insurance protection will stay the same each year during your policy.

Many life insurers offer the option of "convertibility". This means you can convert your life insurance policy from term to whole life when your short term insurance policy expires. When you convert your policy under this option you will not need to take a physical exam to qualify for coverage.


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote.


Highly Recommended – Haven Life

  • Get up to $1,000,000 of affordable term life insurance today
  • Apply online in under 20 minutes, start coverage today
  • Backed by MassMutual, rated A++ by AM Best

Haven Life uses the information provided in your application to make an instant decision on your application. Healthy, qualified applicants (based on the information provided in your life insurance application) can be insured immediately with no medical exam while other applicants can receive immediate coverage pending a medical exam.


Highly Recommended – Globe Life Insurance

$1* Buys $100,000 Globe Life Insurance

  • Coverage for Adults or Children

  • No Medical Exam. Just a Few Y/N Health Questions

  • Free Information. No Phone Required. No Waiting

Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.



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