When buying term life insurance, one of the most important variables which affects the monthly premium you'll pay is the time period that your premium will be fixed.
Hopefully, you've read (and heard!) some of my other comments regarding how to buy life insurance.
When buying term life insurance, there are several ways you can go.
One is to buy annual renewable term (ART). ART can be viewed as "short-term" life insurance if you just need some coverage for a limited amount of time.