When is a small whole life policy considered an asset under 10,000 that will not earn any cash value for at least 2 years. And they are on Medicaid and receiving in home care, become a concern. Are there options to keeping the policy for her 2 disabled adult children. To help in settling after death matters. And does it have to be turned in as an asset even though there is no cash value yet. Planning for choices in alternative issues for this small policy? Is it worth having it for the time being. How to and when to make another choice. Is it going to harm her or her children at the beginning stages of such a policy?