What happens when my life insurance term ends?
Term assurance normally stops providing cover at the end date. There is usually no maturity value. If a protection need will continue beyond that date, review options well before expiry because age and health can affect replacement availability and price.
What happens when my policy reaches the end date?
Term policies generally stop providing cover at the stated end date unless the policy has a specific continuation or conversion option. Review needs well before expiry because arranging new cover later may require underwriting.
Why does my cover stop at a certain age/date?
Term protection is set up for a defined period, often aligned to a mortgage, working life or dependant need. The end date is shown in the schedule. If the need will continue, review well before expiry.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026