Check with an attorney.
A life estate usually means the ownership does not transfer until death.
"A life estate is created by a deed that gives the land to the person "for life" and identifies what should happen to it after that person dies."
Cornell Law
"A life estate deed permits the property owner to have full use of their property until their death, at which point the ownership of the property is automatically transferred to the beneficiary."
Rocket Mortgage
"If there is a life estate, the life tenant's interest in the property ends at death, and ownership is transferred to the remainderman. The life tenant is the owner of the property for life and is responsible for costs such as property taxes, insurance, and maintenance. Additionally, the life tenant also retains any tax benefits of homeownership."
Investopedia link
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