What happens to a term life insurance policy at the end of its term if not renewed?

At the end of a term life insurance policy, if the policy is not renewed, it expires. This means that the coverage provided by the policy ceases, and the policyholder is no longer protected under that policy. Term life insurance is designed to provide coverage for a specific period or term, such as 10, 20, or 30 years, and once that term concludes without renewal or conversion, the insurance is no longer in force.

It is important to note that term policies do not accumulate cash value, nor do they convert to whole life insurance automatically unless there is a specific conversion option stated in the policy. Therefore, without action taken by the policyholder, the natural consequence of the term expiring is that coverage ends, highlighting the nature of term life insurance as temporary and limited duration coverage.