Annual Renewable Term (ART) Life Insurance provides flexible, short-term protection with guaranteed annual renewability and no health exam required on renewal—making it ideal for transitional life phases. Rather than committing to a long level-term policy, ART allows you to renew each year, adjusting coverage to your evolving needs. It’s often the most affordable way to secure immediate coverage, especially when long-term plans are uncertain.

How Annual Renewable Term Works

• No exams to renew—your policy can continue even if health declines. :contentReference[oaicite:1]{index=1}
• Premium increases annually based on your age at renewal. :contentReference[oaicite:2]{index=2}
• Coverage can often be renewed until a specified age limit (commonly 70–95). :contentReference[oaicite:3]{index=3}

When ART Makes Sense

• Transitioning jobs or awaiting new employer-funded life coverage.
• Temporary needs like paying off short-term debt or bridging to long-term coverage.
• Individuals currently in poor health or smokers who expect improved health later—all without locking into long-term premiums. 

ART vs Level-Term Coverage Comparison

Explore Other Term Lengths

• 5-Year Term
• 10-Year Term
• 15-Year Term
• 20-Year Term
• 25-Year Term
• 30-Year Term
• 35-Year Term
• 40-Year Term

Case Example

A self-employed individual needing temporary income protection bought an ART policy. When they became healthier and secured long-term group coverage, they switched to a 20-Year Level-Term policy—locking in price stability at a low cost.

Why Work With Diversified Insurance Brokers?

Since 1980, we’ve helped clients choose term options that align with evolving life stages. Whether you need short-term flexibility or locked-in long-term stability, we compare ART and level-term options from 75+ carriers to pinpoint the best fit. Learn more about our life insurance services, explore burial insurance, and see why families choose to work with us.