Does Life Insurance Expire?

Does Life Insurance Expire? Here’s What You Need to Know

Not all life insurance policies are created equal — and yes, some do expire.
Understanding when and how your coverage ends is key to protecting your family and avoiding gaps that could leave you exposed.

Term Life Insurance — Yes, It Expires

Term life is designed to provide coverage for a specific period, typically 10, 20, or 30 years. If you outlive the term:

• Coverage ends automatically

• There’s no payout

• You may need to renew or buy new coverage (at a higher price)

The good news? Term life is very affordable, with plans starting at just $10/month.

Whole Life and Permanent Insurance — No Expiration

If you want lifetime protection, then whole life or universal life may be your solution. These policies:

• Never expire (as long as premiums are paid)

• Build guaranteed cash value over time

• Can be used for retirement income, loans, or final expenses

What’s the Best Strategy?

If you’re young or on a budget, start with term life — and make sure to get a conversion option. That lets you turn it into a permanent policy later, without a medical exam.

Want the best of both worlds? Look into Return-of-Premium Term — if you outlive it, you get all your money back.

Ready to Find the Perfect Plan?

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✔️ Plans from just $10/month
✔️ No medical exam options available
✔️ Return-of-Premium and lifetime coverage available

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