Good Morning.I wasn't thinking in terms of a policy that had a cash value at the end of it - rather, a simple insurance policy that paid the face value of the insurance.
If it is a term policy, Insane, it will end at a certain point, and has no value. How would you anticipate the lifespan of both Seeking and her husband? Even using actuarial tables? If one lived one day beyond the term, it would have no value what so ever.