Oh man... I have no idea dude, sorry.
Why is the insurance company even offering this? No offense to your Mom, but she is certainly going to die one day, how do insurance companies make their money off these type of deals? I don't get it.
Putting it in crypto is likely to get you bigger returns, but is obviously more risky. Even if your Mom lived for another 120 years (just a lazy 180 years old) you'd still be significantly ahead financially, so it kind of seems like a crazy certain financial deal.
Good question, idk how they make money on it. I do think that the premiums rise as the person gets older. So that 70 USD would probably be more as time went on, which would make the pay out less overall.
I'm leaning towards crypto.
Oh yeah, that kinda changes everything if the premiums increase. Throws out all the math honestly.