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You can open a life insurance policy on your mother if you have an insurable interest. That is, the insurance carrier must feel that you have a sound financial reason that a policy should be taken out and the beneficiary has a legitimate reason to benefit by her death.
If these conditions are met, then a full-time broker can easily review your best options.
You can purchase a life insurance policy on anyone that you can establish insurable interest, justify the amount of coverage by establishing the financial loss you would suffer by the death of your mother. In general terms, blood relatives are strong considerations for insureds as well as primary beneficiaries.
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If these conditions are met, then a full-time broker can easily review your best options.