There are some disadvantages of life insurance without medical exams, which is the reason it's not as popular as traditional term life policies. (lifeinsuranceblog.net)
But even beyond that, traditional term life policies offer a lot more flexibility. (policygenius.com)
Short term life coverage is intended to be a fallback life insurance plan to carry you through a temporary lapse in your coverage, so the death benefits are usually not as large as those of traditional term life policies. (term-life-online.com)