Which insurance will pay the benefactor the most amount of money in the shortest span of time?

If you're a failure and you've decided to take out insurance naming your mother as the benefactor: 1. How long do you have to wait before you kill yourself for the insurance to be valid 2. Which insurance gives the most amount of money after you die. There's no other way. Parents should be able to retire rich and happy and not have to worry about their kid being a failure all the time.