Hi, my mom went a little overboard on life insurance policies, and was paying out more than a third of her Social Security check for life insurance (and almost half on credit card balances but that's another story). I took over one of the policies, and after some wrangling my brother took over another. A couple I cashed out and used it for her expenses. The rest I started paying on and have ownership of. The payments became unmanageable and I cashed out the largest policy. But...I have since learned that to qualify for Medicaid she is going to have to use up the cash value of all of these. None of this was done to dodge Medicaid requirements, just to make her finances more manageable and stable. Is there any way to justify the transfer of these policies on that basis, or any other basis?