When does a life insurance policy end?

Life insurance ends either when you cancel your policy, or the life insurance company cancels due to non-payment.

However, your life insurance coverage expires only if you have a term life insurance policy which the term has ended, and you did not choose to renew your policy for another term, which is usually a one year (annual) term.

A permanent life insurance policy does not expire, it provides you with level premiums and lifetime protection.