We had the courts permission to take cash value of dread disease and cash in for value to apply to cremation plan, since I did mine, cremation went up significantly. Where was she going to go to get dengue fever or leprosy? I think she bought years ago for cancer. But this carrier has had some issues.
In the meantime, we found a policy whose premiums she had let lapse but also has cash value. Not much. So we took the payout to apply to balance of cremation policy.
Have you found this too?