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longevity

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pete_sparks
pete_sparks Posts: 1 Newbie
in Insurance & life assurance
Am i missing something ?
i am in the throws of getting life insurance as my wife is about to give birth to our first child ( any hour now ) and i have around 150,000 left on the mortgage.i am 32 yerars old.
i am using comparison sites to do so but have worked out that if i put 1 year on the application form instead of 30 years the price halfs ? well the way my brain works is that i will simply re-new my policy yearly? and save half on my monthly premiums.
It cant be as simple as that !
have i caught 'baby brain' from my lovely wife ?
please help
Peter

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