My Mom had a stroke leaving her paralyzed on left side She is now in a NH under medicare and 2nd insurance . She has about 2 mths left and she will have to go on Medicaid. I realize they will take everything she has as a asset, but I heard she could cash her face value in on her insurance to pay for her funeral expenses ahead of time . She has already paid for the grave site and closing of it many yrs ago. There is only two small policy with a cash value of about 3 thousand and 9 thousand on the other. Can this be used for her casket and funeral arrangements.