where can i get a short-term life insurance policy?

If you mean life insurance that lasts only a short time (for example, a few months to a year while you change jobs, pay off a debt, or wait for longer coverage), you have a few options:

Places to get short-term life insurance

• progressive.com — Offers one-year short-term life insurance options, including policies that may not require a medical exam.
• policygenius.com — A comparison marketplace that can help you shop temporary coverage from multiple insurers. Some carriers offer temporary coverage while a full application is being processed.
• ladderlife.com — An online term life insurer known for quick applications and adjustable coverage options.
• ethoslife.com — An online life insurance provider offering simplified application processes for eligible applicants.

Other options to consider

• Annual renewable term life (1-year term): The closest match to “short-term life insurance.” You can usually renew, though premiums may rise over time.
• Temporary coverage during a term-life application: Some insurers provide temporary insurance while your regular policy application is being reviewed. Availability depends on the insurer, your application, and underwriting requirements.
• Employer life insurance conversion/portability: If you recently left a job, your employer plan may have options to continue coverage.

A few questions would help narrow the best route:

1. How short do you need it — 30 days, 6 months, 1 year, or longer?
2. How much coverage do you need (for example $50k, $250k, $1M)?
3. What state are you in? (Rates and availability vary.)

In the life insurance industry, a standard 10-year term life insurance policy is technically the shortest conventional individual term length offered by major providers. However, if you truly need ultra-short-term or flexible coverage, there are specific products and alternatives to look into:

• Annual Renewable Term (ART) / Yearly Renewable Term: Offered by companies like New York Life and Prudential , these policies last for just one year and renew automatically every year, though premiums increase annually.
• No-Exam Accelerated/Instant Term: If your goal is fast coverage rather than a multi-year commitment, digital-forward brokerages and insurers (like Symetra SwiftTerm via SelectQuote or Banner Life) can issue short 10-year policies rapidly online without medical exams.
• Group Life Insurance: If you are employed, check with your HR department. Group term life policies through an employer often provide short-term, portable coverage while you are on the job.
• Temporary/Conditional Coverage: If you are currently applying for a permanent or long-term policy, most major insurers (like Aflac ) provide temporary insuring agreements that cover you during the underwriting/application processing window.

To help me point you toward the best option, could you share:

• How long you need the coverage to last (e.g., 1 year, 5 years, or a specific life event)?
• What purpose the policy is serving (e.g., covering a short-term loan, business collateral, or a bridge while waiting for a permanent policy)?

If by “short-term life insurance” you mean coverage for a limited period—say 1–5 years—you generally want term life insurance, not a special “short-term” product. The NAIC notes that term policies can be written for periods as short as 1 year, depending on the insurer.

Places to look

• lemonade.com — Online application and, for eligible applicants, potentially same-day coverage. Its available terms vary by state.
• newyorklife.com — Offers term coverage including annually renewable options.
• guardianlife.com — Offers term insurance and is currently highly rated for term coverage.
• northwesternmutual.com — Offers shorter term options, including 1-year policies.

You can also use a licensed independent life-insurance broker to compare multiple companies at once. The NAIC recommends checking that both the insurer and agent are licensed in your state.

If you only need coverage for a few months

That's the tricky part. Most consumer life-insurance companies aren't designed around 3-, 6-, or 9-month policies. A 1-year term policy may be the closest fit, and some insurers offer annually renewable term coverage.

If you tell me (1) how long you need it—e.g. 3 months, 6 months, 1 year—and (2) roughly how much coverage you need ($100k, $500k, $1M), I can narrow down the best options and what you should expect to pay.

If you need a short-term or temporary life insurance policy, standard 10-, 20-, or 30-year term policies might be longer than what you're looking for . Fortunately, there are specific products and alternatives designed for short-term needs:

• 1-Year Renewable Term Policies: Companies like Fidelity Life (offered via partners like Progressive Short-Term Life Insurance ) provide 1-year, low-cost term policies . These typically require no medical exam , involve answering a few health questions online , offer coverage amounts between $50,000 and $200,000 , and can be renewed or dropped annually.
• 10-Year Level Term Life Insurance: If 1 year is too short but you still want a relatively brief commitment, a standard 10-year term policy is the shortest traditional term length offered by major insurers like Northwestern Mutual or Protective . These lock in your rate for a decade and can usually be cancelled at any time.
• Temporary Coverage During Underwriting: If you are buying a traditional, long-term life insurance policy but need immediate protection while the multi-week application and medical underwriting process is completed, most major insurance carriers offer temporary insuring agreements (temporary coverage) that start the moment you complete the application and make your first tentative premium payment.

If you can share how long you need the coverage (e.g., a few months vs. 1–5 years) and approximate coverage amount you're looking for, I can recommend the most cost-effective path forward.

Yes. If by short-term life insurance you mean coverage for only a few months to a year, there are options—but they're less common than standard 10-, 20-, or 30-year term policies.

Good options to look at

• Progressive Life Insurance — 1-year short-term coverage — Offers one-year life insurance through Fidelity Life, with coverage listed from $50,000 to $200,000 and no medical exam.
• Brighthouse Financial — One Year Term — Offers a one-year term product intended for situations such as bridging a gap between jobs or supplementing existing coverage; certain options can extend coverage to five years.
• Ameritas Term Life — Offers term insurance, including an instant-approval option for some applicants, although its standard products generally have longer terms.

Since you're in Pennsylvania, the Pennsylvania Insurance Department confirms that term life insurance is specifically designed for a set period of one or more years, making it the most natural type of policy for temporary coverage.

One important distinction: if you need coverage for something like 30–90 days while waiting for another life-insurance policy to become effective, that's different from buying a one-year term policy. Temporary coverage during underwriting may be available through the insurer you're applying with.

If you tell me how long you need it (e.g. 3 months, 6 months, 1 year), your desired coverage amount (e.g. $100k/$500k), and your age, I can search for the best current options and approximate prices available in Pennsylvania.

Here are top web results for exploring this topic:

Progressive·https://www.progressive.com**Short**-**Term** , Low-Cost Life Insurance - Progressive Short-Term Life Insurance. Get 1 year of coverage quickly for as low as $12 per month at Fidelity. Read the associated disclosure for this claim. No medical exam required. Zip Code. Loading. QS State Aflac·https://www.aflac.com**Short**-**Term Life Insurance* - Aflac What is short-term life insurance? A short-term life insurance policy is designed to help provide coverage for a shorter period than traditional life insurance policies. Coverage typically lasts no lo State Farm·https://www.statefarm.com Get a Life Insurance Quote Today - State Farm State Farm life insurance helps cover you with offerings such as term, whole and universal life insurance. Get a quote. ... Term Life insurance. Need coverage for a specific time frame? Term life help Nationwide Mutual Insurance Company·https://lifeessentials.nationwide.com**Term Life Insurance** Quote - Nationwide Nationwide term life insurance at a glance. Eligible ages. 21-55. Years old. Coverage amounts. $250k-$1.5MM. Dollars. Term lengths. 10-20. Years. Nationwide® has partnered with another company, Assuri Fidelity Life·https://fidelitylife.com Fidelity Life: Affordable Life Insurance for everyday Americans Affordable life insurance for everyday Americans. Life insurance is easy, fast, and affordable with Fidelity Life. Get your quote and buy term life online, without a medical exam in most cases. Get St Guardian Life·https://www.guardianlife.com**Life insurance**: term , whole, and universal - Guardian Life A life insurance policy is a contract with an insurer. In exchange for premiums you pay, they agree to pay a benefit if you pass away. That tax-free payout may be large enough to pay for several years NerdWallet·https://www.nerdwallet.com 6 Best Instant Life Insurance Companies in 2026 - NerdWallet Why this insurer made the list: Lemonade offers an unlimited amount of term life insurance online to eligible applicants, with many policies going into effect on the same day. Banner Life·https://www.bannerlife.com Banner Life family of companies | Life Insurance Company Our life insurance companies, Banner Life and William Penn, offer the best term policies with affordable coverage to help protect your family's future. GEICO·https://www.geico.com**Life Insurance** - Get a Fast & Free Quote Now - GEICO Flexible Life Insurance Coverage Options. Whether you are considering term life insurance or permanent life insurance, the GEICO Insurance Agency can help you explore policy options from trusted insur Liberty Mutual·https://www.libertymutual.com**Life Insurance** Quotes & Policies - Liberty Mutual Term life insurance details. No medical exam, just answer a few health questions; Apply online in minutes; Coverage that never goes down during the course of the term; Can convert to · No medical exam

If you mean life insurance that lasts only a short time (months to a few years), you have a few options:

1. One-year or short-term life insurance

These policies are designed for temporary gaps, such as:

• between jobs when employer life insurance ends
• covering a short-term debt
• waiting until you can buy a longer policy
• a temporary increase in family protection needs

Providers and marketplaces that offer short-term options include:

• Progressive Life Insurance (offers access to one-year short-term policies through partners)
• Policygenius (compares life insurance options from multiple carriers, including some temporary coverage options)
• Forbes Advisor Life Insurance Guide (explains temporary coverage and how it differs from regular term life)

2. Regular term life insurance (often the better value)

If you actually need coverage for a few years (for example, 5–10 years), a term life policy is often cheaper per dollar of coverage than very short policies. Common term lengths are 10, 15, 20, or 30 years, but some insurers offer shorter options.

3. Temporary coverage while applying for a policy

Some insurers provide temporary life insurance during underwriting—for example, while your application and medical review are being processed. This is different from buying a short-term policy just because you only want coverage briefly.

A few questions would help narrow it down:

1. How long do you need coverage — a few months, 1 year, 2–5 years, or longer?
2. About how much coverage do you want (e.g., $50k, $250k, $1M)?
3. Are you looking for no medical exam / instant approval, or are you okay with a health exam to get lower rates?

True 1-year standalone short-term life insurance policies are relatively rare, but they do exist for specific gaps in coverage (such as being between jobs). More commonly, people purchase a 10-year term life policy or use no-exam accelerated term policies as a flexible, short-term solution.

Where you can look depends on what kind of "short-term" coverage you need:

• 1-Year Standalone Policies:
  • Progressive Life Insurance partners with providers like Fidelity Life to offer specialized 1-year short-term policies (such as RAPIDecision Life One ), which typically feature no medical exam and coverage capped around $50,000 to $200,000.
• Fast/No-Exam Short-Term Term Life (10+ Years):
  • Fidelity Life offers rapid-approval, no-exam term options if you need coverage immediately without waiting weeks for underwriting.
  • Lincoln Financial offers digital, accelerated underwriting term policies (TermAccel ) starting at 10-year increments with no medical exam for qualified applicants.
  • Protective Life provides highly competitive, straightforward 10-year term options that can function as a temporary safety net.

To help narrow down the best provider, could you tell me:

• How long do you actually need the coverage to last (e.g., 1 year vs. 10 years)?
• What coverage amount are you looking for?

Yes. If by “short-term life insurance” you mean coverage you only need for a limited period, there are two main routes:

1. Temporary life insurance — often called temporary coverage or conditional coverage. This can provide protection while a regular life-insurance application is being processed, often for up to about 90 days. Availability and limits depend on the insurer.
2. Short term life insurance — more commonly, you buy a 10-year term policy (or occasionally a 1-year renewable policy) and simply keep it for the period you need. Term life is generally the least expensive form of life insurance.

Places you can shop

• Lemonade — offers online term life insurance and, for eligible applicants, same-day issuance.
• Banner Life — strong option for inexpensive term coverage, including no-exam options for eligible applicants.
• Nationwide — offers no-exam term coverage with relatively quick decisions for eligible applicants.
• Ethos — online-focused life insurance with fast application/approval options.
• Pacific Life — a strong traditional term-life option if you're looking for competitive pricing and flexibility.

Since you're in the Phoenix area, you could also talk to an independent broker who can compare several carriers rather than selling you just one company's policy. For example, eCoverage Direct in downtown Phoenix is a life-insurance brokerage, and True Blue Life Insurance, Inc in Scottsdale specializes in comparing life-insurance policies from multiple carriers.

If you tell me (1) your age, (2) how much coverage you need, and (3) how long you need it—e.g. 3 months, 1 year, 5 years—I can narrow this down to the cheapest/fastest options that are likely to fit.

When looking for a short-term or temporary life insurance policy , your options usually fall into two distinct categories depending on your exact situation: 1-year renewable term policies (for actual short-term needs like gaps between jobs) or short-term 10-year minimum term policies (the shortest standard commitment from major insurers).

Top providers and platforms offering short-term or fast, no-exam temporary policies include:

• Progressive (via Fidelity Life): Offers specific one-year, low-cost short-term life policies . These require no medical exam, start around $12 per month, and provide coverage levels between $50,000 and $200,000. You can check details through Progressive Short-Term Life Insurance.
• Fidelity Life: Offers specialized products like RAPIDecision Life One , which is a true 1-year renewable short-term policy designed for temporary gaps (such as being between jobs). You can review options directly on the Fidelity Life Website.
• Prudential Financial: Offers PruTerm One , a 1-year renewable and convertible level-premium period policy tailored for short-term debt or business obligations. Learn more via Prudential Personal Life Insurance.
• Digital No-Exam Term Providers (10-year minimum): If you can't find a 1-year policy in your state, companies like Ladder Life or Ethos provide fast, flexible online applications for 10-year term policies with no medical exam required for qualifying applicants, and you can scale or cancel coverage as your needs change.
• Insurance Marketplaces: Using a brokerage tool like Policygenius lets you compare multiple carriers (such as Mutual of Omaha, Protective, or Lincoln Financial) to see which ones offer the shortest temporary or binding conditional coverage during underwriting.

(Note: If you are just waiting for a traditional, permanent, or multi-year policy to clear underwriting, most major traditional insurers provide temporary coverage automatically from the moment you apply and pay the first premium, lasting 60 to 90 days until official approval).

To help narrow down the best provider, tell me:

• How long do you need the coverage to last (e.g., a few months, 1 year, or 10 years)?
• What is the primary reason you need a short-term policy (between jobs, temporary debt, or waiting on a larger policy)?