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We tell my mom the same thing but she won't because of all the money she paid into it. We always tell her we don't want any money when she dies, just to have her with us as long as possible. But it's something she insists on budgeting for.

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An alternate idea is for her kids to pay the premium and take it off her budget. I wouldn’t hesitate for a second to suggest it or cancel….shes been a great mom and I’m sure they’d be happy to split that cost.

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