But it cannot be forced. Sometimes peer pressure or a senior seminar might get Mamma's juices going, but the adult kids won't. There are three steps that can be taken to help Mamma. Sheri mentions insurance costs. Health insurance is critical.
Life insurance is a legacy.
The cost should be borne by the beneficiaries. The budget may explain why the couple was not overdrawn when Papa was alive. Things should be a bit cheaper now. Get a Better Return Sheri should reinvest Mamma's money in investment-grade corporate bonds. They're safe, they pay more than the bank, mature on a definite date and send a check four times a year.