Short term Life Insurance is available for those who cannot afford full term policies for they tend to be quite expensive. They might have high premiums but for the short term protection you may need, it is better than nothing. There are also a lot of staggered payment options that allows you to customize payments according to your preferences. Scout around for available packages so you get an overall idea of which providers are offering the best policies. After you compile them, check and double check the pros and cons of each (there are web sites that allow you to compare policies from several providers online helping you chose faster). Price may be the main determining factor but it isn’t the whole picture so ask questions for vague or incomprehensible details (teeny-tiny print).
These policies last anywhere from 5-years or less compared to the couple of decades it takes for long term life insurance policies, they are also sometimes referred to as cash-value life insurance.