She also doesn't have any financial resources - we, the children are all pitching in to help her financially & all her other needs. She has a life insurance in the amount of $100,000 and we, the 5 children are the beneficiaries. But we all have decided that our mother needs that money more than any of us, and that she needs it NOW more than ever. We want to provide her a better care and living situation than she has right now. The question is, can we get a loan from her life insurance? And if so, how are we gonna go about it, being that she never appointed anyone to handle her affairs? Or is it even possible to do it? Please, please help. We love our mother dearly and we want her to enjoy her money while she still can. Thank you for your help.