My grandmother, 90 years old, this month has been paying for burial insurance. She has paid over on both of the policies, and we would like to cash in on them so that my grandmother can pick out what she wants at her funeral home for her funeral and pay them. If she were to cash in on her $10, 000 she would get all of $3, 000 out of it. This is such a scam. Also, the people that my father and I have spoke with on the phone are arrogant.