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It's an old policy from when she was an infant. My father was the owner and he transferred it to me. Not much, just enough to bury her.
Because she is disabled, there would be no way to get more insurance now. If you are retarded you are uninsurable. Same for heart attacks, cancer, and many other common conditions.
The Good news is that any existing Life Policy, including term & group (Death Benefit) over $50,000), can be converted into monthly payments to help cover LTC. This must be done properly,
Do not "surrender" the policy to the insurance company, because you will receive less value,
while they might try to convince you the policy is not "convertible:, that is untrue, a play on words, as it does not comply to a conversion within their line of product
This a MEDICAID approved option, and can be used to help with payments on private pay, stretching out assets.
Message me for info.