Life Time Fitness Military: Freeze Up to 90 Days, No Long Contracts

Life Time has no military discount, but it does write the military into its own policies. The Guest and Club Policies freeze the affected member’s membership for up to 90 days for a “medical or military situation,” and Life Time says it does not use long-term contracts. So the federal rule does different work here than at a gym with a buyout fee. Under 50 U.S.C. § 3956, qualifying orders let you end the contract on the date your notice names, and dues paid for any later billing period come back within 60 days.

The military rule is a freeze, not a discount

On October 9, 2026, the only military language in Life Time’s FAQs and policies sat in the freeze rule, and none of the 14,358 addresses in its site map was a military page. The Help and FAQs page, the Membership Changes page, and the Colorado Springs club pages had no military price, and lifetime.life/military.html returned a 404. Life Time’s U.S. Guest and Club Policies (Canada has its own set) mention the military only in the freeze rule. Pricing varies by club, so the concierge desk is still the place to ask.

The freeze itself appears in two places with slightly different words. The policies say Life Time “will freeze the portion of your membership affected by a medical or military situation for up to 90 days (or other freeze period length as allowed by law),” that the membership reactivates automatically, and that “orders from a military service branch may be required.” The FAQ says “up to three months,” applies the freeze only to the affected member on a membership of two or more people, and invites you to email or visit the club to extend it.

Four ways to step away, from Life Time’s own pages

Read October 9, 2026 on Life Time’s Membership Changes page and Guest and Club Policies. The policies also reserve a one-time service fee for membership status changes.

The hold has one perk worth knowing: Life Time says reactivating from a hold costs $0 in joining fees. When you come back, you pay the rest of that month at your old dues rate plus any increases that took effect while you were away.

Life Time’s terms against § 3956

Section 3956 covers a gym membership or fitness program signed before you received orders to relocate for 90 days or more to a location that does not support the contract. Since 2023 it also covers a contract signed after PCS orders and then blocked by a stop-movement order. The service contract explainer has the general rule and § 3956’s text is on this site.

Life Time column read October 9, 2026; statute read the same day in the 2024 edition on GovInfo.

A Colorado Springs deployment, priced

The Colorado Springs club listed memberships “starting at $199/month,” and the price builder says memberships are priced per person. Take a Soldier from Fort Carson, alone on the membership at that starting rate, with nine-month deployment orders.

Illustration at one club’s starting rate, before tax and any surcharge. The freeze row assumes no freeze fee, since Life Time names none, and the hold needs six straight months of club access first. Life Time does not say whether a freeze and a hold can be combined, and dues may rise while you are gone.

The freeze and the hold protect a rate you want to keep. Termination is cheaper on paper, and § 3956(e)(2) bars a reinstatement charge if you rejoin within 90 days after the deployment ends, though it does not lock in your old price. For a PCS, the math is simpler. If your agreement requires 30 days of notice and you would pay another $199 month while it runs, a § 3956 termination dated the end of the current billing period saves that month’s dues.

Where Life Time has no club

Life Time’s site map listed club pages in 32 states and Ontario on October 9, 2026, and none in Hawaii, Alaska, Kentucky, or South Carolina. Orders to any of those are the plain case of a location that does not support the contract. Moves inside Life Time’s footprint are less clear, because some memberships include access to more than one club, and the statute does not define support. If a club in your access level sits near the new post, you may simply keep the membership.

Cancel or freeze Life Time on orders

Freeze or end a Life Time membership under § 3956

1. Pick the tool. Back to the same post within about three months: freeze. Away longer, or moving where Life Time has no club: terminate.
2. For a freeze, email AccountServices@lifetime.life or visit the club with your orders. The FAQ lists those two channels, not the app, for freeze requests.
3. For a termination, write a notice with your name, member number, club, end date, and “I am terminating this membership under 50 U.S.C. § 3956.” The letter generator drafts it.
4. Attach orders showing a relocation or deployment of 90 days or more, say why no club in your access level serves the new location, and send the notice by email to Account Services and by mail or in person to your club.
5. Name any training, Pilates, or nutrition agreement in the same notice. Life Time treats them as separate contracts.
6. Check the next statement. Dues drafted for a billing period after the one you end in must come back within 60 days under § 3956(f).

A spouse on your membership is a separate person on it. Life Time’s freeze covers only the affected person, and the statute covers a spouse’s own contract only in the narrow cases the family guide describes. 24 Hour Fitness writes a military freeze with no time limit into its policies; its page compares well with this one. The deployment money stack and PCS money moves cover the larger bills on the same orders.

The law behind this: 50 U.S.C. § 3956

Termination of certain consumer contracts: gym memberships and fitness programs: read the statute , or read § 3956 in plain English, with its enforcement record .