Q. If I am leasing a car for 39 months at $299 a month and I die in the first or second year what are the financial responsibilities of my estate?

A. Most leases require your estate to make all remaining payments. If you purchased the optional death and disability insurance, it will cover the balance. The car or truck will have to be returned unless your heirs negotiate with the lender to keep it for the remainder of the lease. Lenders make that decision on a case-by-case basis.