Care for their future. Keep your needs in view.

Start with the care you provide

Write down the regular care, income, housing, and transport you provide. Note who could help if your household changed and which responsibilities would need another plan.

Keep your own living costs and retirement needs in the picture. The aim is to prepare a useful conversation, not to choose an insurance amount based only on your age or family role.

Review what is already in place

• Find your policy and the latest statement.
• Confirm who owns the policy, who is insured, and who is named to receive the benefit.
• Ask whether payments, benefits, or coverage duration can change.
• Consider whether premiums remain manageable alongside your other needs.
• Write down any questions about money intended for a child.

Bring in the right support

A life insurance policy does not settle guardianship or other legal care arrangements. Ask a qualified attorney about those issues and coordinate beneficiary questions with the insurer.

The Administration for Community Living publishes resources for grandparents and other kinship families. Use them to find support, and confirm current local program availability and eligibility directly.

Leave a clear set of directions

Use the family emergency kit to record trusted contacts and where your papers are kept. Tell the appropriate person how to find it.

Start your insurance conversation with the five-topic policy checkup. Your household’s needs and budget should guide the discussion.