Because term life policies are usually for 10, 20, and 30-year terms, some life insurance providers may not offer short-term life insurance, which is usually less than 5 years.Aside from temporary life insurance coverage offered by an insurer during an underwriting period, you can also buy annual renewable life insurance, which is also technically short-term. For young, healthy people, the appeal is clear: It tends to be extremely cheap.
Fidelity notes that annual renewable policies are best suited for younger adults in good health because the risk of dying is lower, so the rates will initially be cheaper than a traditional life insurance policy. However, as you age, the premium rates go up. That's when you should consider a traditional term life policy for 10, 20, or 30 years.
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