Make sure the term is right Annaleaze no point having a 10 year term when your likely to need the cover until Zara is 18-21 and likely to be self sufficient.

All very well looking at a 10 year term giving you cover over the next 10 years however your age will then cause the premium to be dearer to cover the next 8-13 years.

Do it once and do it correctly.

HTH