I have liver cancer, and though I am on transplant list I was able to collect on my life insurance now to help pay my bills ect.

Both my work life insurance (most companies provide 10K coverage automatically) and a personal whole life policy that I had have an "acceleration of benefits " clause.

This means you can collect up to 75% of the money now, and it is tax free and you dont have to pay it back in most cases.

Call your life insurance company and ask if you have the benetfit.

I hope this helps, this helped me, so now I have enough to live for a year if i am out of work.