AM I RESPONSIBLE FOR UPKEEP, TAXES, AND INSURANCE WITH MY "LIFE ESTATE"?

Generally, a person who holds a life estate in property is responsible for most of the same items that an owner of 100% of the property would be responsible for, such as the upkeep, taxes, and insurance you mention. However, there are some items for which you may be able to receive contributions from the holder of the remainder interest (i.e., the person who will receive the property at your death). If you have questions regarding specific items, you should consult an attorney in the state where the life estate is held, and have that attorney review the actual facts and circumstances under which the life estate exists.