This used to be considered kind of shady but I've read lately that it can be a helpful move for some. I'd check with a trusted insurance broker - one who doesn't just sell for one company. There will likely be more feedback on this issue if you keep checking back here since others may have had experience with what you're considering. Take care, Carol
It called a viatical settlement. You could do some research online. Companies that do this, ratings, How to do it, etc. Compare settlement offerings etc. Sorry I don't have more to offer, but that is where I would start.
Take care,
Carol