My mother has an insurance policy that has a huge loan on it. My brother talked to a lawyer in regards to Medicaid and paying off 5 year look back debts, and the fact there is no money. It was suggested that the cash value be removed from the policy but still keep the policy intact. I was hoping to turn this policy over to the funeral home so that we can guarantee money for a funeral. I am not sure if this is now possible or how to go about it.