Should I give my mum her house back?

[OneMoreSecondChance]

Really worried about my housing situation. DF died 4 years ago, leaving my disabled mum in their wholly owned home.
I was living with my parents at the time, following the breakdown of my relationship, and became my mum’s full time carer.
DM decided that she wanted to move, and wanted me and my two DCs to move with her. Unbeknownst to me at the time, however, she instructed the solicitor to put the new house in my name. She feels unable to deal with financial matters by herself and asks me to do everything in that vein for her (insurances, mobile phone, benefits, bank accounts, etc)
Now that everything has calmed down, I am really worried at having landed in this position. I pay all bills associated with the house, as well as a huge monthly life insurance premium to make sure my two siblings receive an equitable amount from my mum’s estate when she dies.
I feel very insecure with the way things are and am concerned about tax implications, and the cost of mum’s care in the future. Is signing the house back over to mum’s ownership the best thing to do?

When I was getting divorced and had mediation, the mediator advised that I could take out life insurance on my ex husband, to cover any lost maintenance should anything happen to him. I didn't do it as I couldn't afford it, and the maintenance wasn't that much, but it can be done.

It can be done if there is an insurable interest (that you would be worse off without them).

I assume the "policy" is more about an investment so op can keep the house in the event of dm death and they get a cash payout equivalent.

I think your Mum is having you on,,OP.

Either that, or you are bored and amusing yourself.

If you signed nothing- you own nothing. And your paying out for a life insurance policy you're not the only person named then you are a bit silly.

None of that sounds correct or like something that would happen. I think you are very confused, don’t understand the situation and should seek advice. Citizens Advice might be able to untangle this for you. Good luck.