No, you cannot cash in your policy at any time. Over 50 life insurance only pays out on your death.
You can cancel your policy at any time. If you cancel within 30 days of starting your insurance, we'll refund any payments you've made. If you cancel after that, you won’t get anything back.
If you feel you can’t afford your insurance, talk to us. We may be able to reduce it to bring down your payments.
If you need to stop paying, your family can still get at least half of the payout when you die, as long as you’re at least halfway through paying for your policy.
That’s halfway from the start of the policy until the policy anniversary date after you turn 95. You stop paying at that policy anniversary or when you die, whichever comes first.