The article from El Universo outlines the legal and financial considerations that heirs face when dealing with an inheritance. It emphasizes that after a person's death, there are procedures to follow regarding the effective possession of the deceased's assets. This process can often be intricate, particularly when debts are involved. The piece highlights that heirs must navigate these complexities with care to ensure they benefit from the inheritance without incurring additional financial burdens.

One key aspect discussed is the importance of life insurance in relation to debts. If the deceased had taken out a 'desgravamen' insurance policy, it can help eliminate outstanding debts, thus easing the financial responsibilities for the heirs. However, the article also cautions that if the deceased did not keep the insurance current, heirs could face significant risks, potentially inheriting not just assets but also considerable debts.

Legislator Andrés Castro from the Azuay region is mentioned as the proponent of a resolution that may pertain to this subject, suggesting that there may be ongoing legal developments regarding inheritance laws in Ecuador. This context implies that heirs in Ecuador should stay informed about both their rights and responsibilities as changes in legal frameworks could affect their inheritance decisions in the near future.