Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

Best short term life insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: What is the best short-term life insurance plan for coverage from 6 to 12 months?

A: For clarification, there is no product legally defined as "short term life insurance". What you really mean is "what is the best 'regular' life insurance if I intend to keep the policy for only 6-12 months". This implies that other more desirable life insurance will be available in the future - usually employer-paid group insurance. In contrast, the term 'short term health insurance' has an entirely different definition and legal structure than 'regular' health insurance. In either case, short term life insurance is commonly used in conjunction with short term medical insurance when a person changes jobs and goes through a period without employer-provided group benefits. The coverage should be competitively priced, have easy qualification, a simple online enrollment procedure and fast issue and delivery. For this purpose we recommend Guarantee Trust Life Insurance. It is significantly less expensive than most immediate issue overages. Underwriting and policy issue takes a few days (rather than weeks for some policies). The entire pricing and application process is available online with professional OnlineAdviser enrollment support at


More resources:

"Do I qualify for Guarantee Trust Life Insurance?" Short term life insurance