My mom is 65 and her health has been slowly declining since my dad’s unexpected passing in 2016. She has a life insurance policy through her former employer which steadily declines in amount every five years of her life. The total amount to be paid would be about $32K, now that she’s 65 it’s down to $16K. It plateaus at $8K when she hits 70. That would cover her funeral and burial expenses because she will be buried with my dad at a local veterans cemetery and that is free to us since dad was a Vietnam Era Navy veteran. But what concerns me is what happens after she dies. We live with her in my family home which still has about a $70K mortgage attached to it. The house is also in pretty serious disrepair but my husband and I will be left with it to live in temporarily because neither of my sisters want it, they already have their own homes. Mom is also likely to have lingering medical debts because she continues to have additional medical problems crop up due to her renal disease. I am going to be the POA and Executor of her estate because we live with her, I am her primary caregiver and again neither of my sisters want the responsibility. My question is how do I go about getting additional insurance on my mom without appearing selfish or ghoulish like I’m waiting for mom to die which of course I’m not, but I don’t want to be left with a large amount of mom’s bills on top of our own that my husband and I can’t pay and I know I won’t get any monetary help from my sisters. I don’t want to lose the family home and I want my credit & finances protected but mom was never good with handling or managing insurance, money or bills (Dad did it all) so she has no idea what really is a good life Insurance plan that covers all expenses and debts. Oh and I forgot if she makes it to 85, her old employer’s life plan cuts off completely. It’ll be up to her to find a new one at that age. So I’m concerned on how to do this. I don’t have an extra $ to talk to a lawyer either. My brother in law is one but I feel like he is too close to this situation to be neutrally objective. Any suggestions on how to do this without upsetting anyone in the family???