Thanks! I’ll google and check it out.
http://www.lisa.org
If you Google Life Settlements, you’ll find lots of sites wanting to buy policies, Bogleheads might be able to comment on specific organizations
Great! On Bogleheads now (what a name!) while also looking at the paperwork in more detail, but will check out the lisa site as well when I’m less tired. 
Thanks again.
If the policy truly ends in 5 years, there will be no market for selling it. If the insured has to die within 5 years or else, it’s likely no buyer would touch that risk.
“if you don’t make X change, Y will happen” Three weeks later Y happened…"
Same scenario with my inlaws. It wasn’t until FIL broke his hip (which was only 3 days after he got out of rehab for torn meniscus from another fall.) Add in 2 bouts of pneumonia in the preceding 12 months (after another pout the year before) and being 90 became very frail and in no shape to take care of my MIL, who has Alzheimer’s, without an aide.
I have no idea where my MIL thinks she is now, but when FIL was in hospital/rehab she thought he left her. She was staying at my BIL’s in Florida, but thought she was at my house in another city. They had gone just to visit for a few weeks and it ended up being 3 months before we couid get them back home to NY. That’s when we started with the aides, which obviously didn’t work out. Fortunately we had already looked into the AL before and they had an application already submitted (at our insistence) the previous year. When we called they had an apartment just coming available at the beginning of this month.
Our “Y” was also a broken hip!