Real planning for a possibly tough future is hard. My daughter has also picked out a close friend to take over day to day care of her kids if anything were to happen to both her and her partner (mid 30s, perfectly well, no special cancer-or-anything-else risk). And no, we are not on bad terms, far from it - just that two people in their 70s/80s may not be the best daily environment for two small children or early teens. If it's never, ever required, we are all very happy. But they want it discussed, not left to when some unforeseen horror leaves us all blindsided and not making the best judgements. And we will all be very happy @Canisha, if you give those survival rates a good working over! Very best wishes.