It is never easy to talk about the subject of inheritance with our parents. It can be difficult to ask them what they intend to leave us when they die. However, it is important to know this and to make sure that they will be able to set aside funds for their funeral expenses and debts (mortgage, loans, credit line, credit card bills, and final expenses). It would also be nice for them and for you to be able to say they can leave you something as a financial cushion against the unexpected, after their death. However, their income during retirement normally decreases. Fortunately, you can be a life insurance policyholder and pay for it, relieving them of the anxiety of leaving you with a financial burden to manage.