<prompt> Human: My mom just told me she wants to take out life insurance policies on both herself and my father. She wants the policies to be 50k each. My mom works full time and my dad has been on disability for the past couple of years. My dad is a type 2 diabetic and has other medical problems. He had open heart surgery which was the cause for his disability. He has also had amputations on both feet for diabetic ulcers. I dont think my mom will have any problem getting a life insurance policy. However, I dont think my dad will even be able to get coverage. And if he does, Im sure the premium will be ridiculous. I was wondering what other options besides life insurance my mom should consider. I was thinking of just putting a set amount in a savings account, but I know that wont earn any real interest. What savings vehicles would you recommend for this scenario. Thank you in advance for your responses.  <response>: Hi there. The first question I would ask here is, What is the purpose of the life insurance? Your mother may want the two of them to be insured, but thats really not enough information to go on. In some situations, life insurance is a great tool to employ. Sometimes its not.In a similar vein, I would question why she wants 50k. This ties into purpose as well. Does she want 50k for a specific need, like final expense coverage for which purpose 50k is often excessive? Does she want it to cover a 210k mortgage not enough?Far too many details missing here. 