I have such a small nest egg it is ridiculous. I do own my house and I am paying on my car. I do have a life insurance policy on myself and one on my husband. Can't I keep them. We have paid on these since we first got married 34 years ago and I was counting on that taking care of me after Bill's death. He is ten years older than me and he has had Alzheimer's disease for over 6 years. He is in the middle of it and I can still care for him. I would prefer to keep him home with me, but if he becomes violent or unable to do anything for himself I will have to put him in a home. What happens to my life insurance policy on him which I was counting on to care for me in my old age? And my life insurance policy goes to him in the event of my death.