<prompt> Human: In Nov. 2015 I was diagnosed with stage iv rectal cancer that was deemed inoperable. To make a long story short I made it to remission somehow, but after only four months the cancer came back in my liver and lung this was in Feb of this year. I have a life insurance policy that will pay out 150k when I die, but I honestly want to use that money now for things such as my dream car 60k...dont lecture me, some vacations, and just random stuff that I want to do. I am currently working in a sales role with a salary, great insurance, great benefits, and I can always go out on disability if I wanted to or needed to. So I still have money coming in which would be a salary of 30kyr base, and whatever accounts I sign. I have around 22k in my bank account, and I am also going to sell my two cars that I have for a combination of about 20k. Do you think it is a good idea for me to sell my life insurance policy for about 80 of the value, or should I just use whatever money I have and finance my dream car and pay for vacations on my own? Assistant: Sorry to hear that. All decisions depend on, do you have any dependents, or are you single?Human: Im single. My mother is listed as my beneficiary. My mom is 50 years old and my dad is 56. They are going to retire in about a year or so and move to Florida. My dad has a police pension which he will earn about 125kyr.  <response>: In that case, you should probably cash out. 80 percent now is worth more than any possible payout to your parents. However, you must make sure that there will not be any expenses to them. Possible credit accounts etc. 