If you want your kids even more incentivised to take care of you and help you live healthier & longer, you need to turn yourself from a potential financial liab

If you want your kids even more incentivised to take care of you and help you live healthier & longer, you need to turn yourself from a potential financial liability (the kids will have to support you if you run out of money) into an income generating asset by joining a Tontine (see https://tontine.com/explainer https://tontine.com/explainer)