Hmm, concerning. You need to talk to an actual lawyer/financial advisor. Believe me, the people who take loans regularly will even take it when there are no issues around. It’s just their habit.
>I just wanted to know if he dies under some circumstances, will I or my mother be liable to pay all the loans or we can be free if he suddenly passes away?
Also, jokes aside, why are you asking this? You are not planning to k*ll him right?