Life insurance question, am I being thick?!?

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Hi all,

I am trying to setup some life insurance and are stumped on a couple of questions which I cannot find the answers to anywhere, I may be being incredibly thick!

Length of term in years; What does this actually mean? I notice that the more years I put, the higher it is, does this mean I pay the one lump sum/12 monthly payments and it will then cover me for say 30 years? Or I pay monthly for the next thirty years? And if the second result is correct why would I not just renew yearly like every other insurance policy? What would people recommend for putting in year wise please? (I’m 27 if this helps)

Many thanks

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