My parents have 2 small group universal life ins. policies. The cash surrender on both is less than $1,600. My dad may need long term care at a state nursing home and will have to get on Medicaid. How do I protect these policies, as its the only money the family is counting on for funeral expenses. They have absolutely no other assets. Thank You.
Source: http://www.lawguru.com/legal-questions/-/parents-small-group-universal-life-493102992/
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