<prompt> Human: tldr; Mom had to take out life insurance as part of a divorce agreement back in 2006 Has been paying 135 monthly, amounting to 17,800 so far, for a 300k policy Currently makes less than 1700 monthly, which is too much for Medicaid so she doesnt have health insurance She lives paycheck to paycheck Recently in the last year had to get prescription pills which amount to 150mo Neither of us see her dying before 2026 due to her otherwise good healthMy thoughts are that she should stop paying into this life insurance and instead invest that money into a monthly health insurance plan when the Marketplace enrollment period for 2018 November 1st opens up.How much does it typically cost to buy out of life insurance? Is it worth it for her to stick to it? What happens to all the money that shes paid already? Does it disappear or can she get any of it back? I dont know how any of this works, even after looking over her contract...Thoughts? For the record, I finally got my own job after graduating and had to aware myself about health insurance and all that stuff in the last couple weeks, which has led me to helping out my mom a lot so Im learning as I go.  <response>: Its a term life. Just stop paying and its gone. There is no cash value or anything to get back. 