A licensed insurance agent can help you sort through the many types of life insurance and annuity products to determine what is best for your specific budget and goals.
Viaticals and Life Settlements
Viatical/life settlements are a way to get money out of your life insurance policy before you die, but there may be alternatives that better meet your needs.
The Bureau of Insurance and the NAIC have a number of helpful resources related to these topics:
Find more resources at the National Association of Insurance Commissioners