It wouldn't be a big policy, just enough to cover the funeral and the mountain of legal fees I will have sorting out my father's affairs. He lives a complicated life and no one knows who owns what. plus he is living with a woman (they've exchanged rings but they aren't legally married). My dad has agreed (but we haven't done it yet) to give me power of attorney upon death so that I can be in charge of taking care of everything.
again, my dad isn't sick, but with the relatives fighting over how to bury my cousin this week, i realize that I need to think about it. he wanted something simple (cremation), but in their grief, his kids want to have a big funeral/viewing