Life insurance and mortage insurance?

Life insurance and mortage insurance?

I just bought a house and i have a new baby. Yay me! im 24 and I keep getting calls and letters about life insurance and mortgage accidental death insurance. Does mortgage insurance work like if i die will they pay my loan off so my son can keep my house? it says its 10.56 a month and will cover up to 200K my home loan is only 88k should i shop for something cheaper? and as for life insurance i have a 30k with my job but i want something private and someone told me do a term insurance. what happens after 30 year term is up? does my son not get that money anymore if im not passed on?

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