Make sure you leave enough cash value to keep the policy in force or you could get a nasty tax bill.
Allow yourself time to decompress and process what has happened.
They might be able to make payments for you in the short run. Summarize the terms in writing so there won't be any misunderstanding down the road whether this was a loan or a gift.
This is not a time for pride. Allow yourself to accept help from others to help you get back on your feet. Help can come from many places, such as governmental and nonprofit agencies, friends, family, neighbors, churches, your employer and co-workers, even strangers.
They need to look at the worst-case scenario. If they decide to go variable and it goes against them, what's that going to do to them? Play the different scenarios in [your] mind.
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