Joint Policy and how long


Hi all,
I’m looking at Life Insurance for my husband and I. Reading advice on other posts a joint policy would seem the best. I’m just wondering how long do you have them for? Also, if we die then the kids would be entitled to the insurance, but what happens if the policy expires before we die? Do you renew it as you would other Insurance or do you just loose the premiums? I’m assuming once the plan reaches its full term if we died following that then the family wouldn’t get the Insurance. Is that correct? Finally would you have life insurance and a funeral plan or just one or the other?
Thanks in advance for your comments


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