Broken Arrow, Oklahoma is a city located in the northeastern part of the U.S. state of Oklahoma, primarily in Tulsa County with an extension into western Wagoner County.

Judith, although it will depend on the specific policies, you probably have accumulated cash value. In some cases, having cash value enables you to:

• Cancel the policy and receive the cash value as a lump sum: the surrender cash value.
• Stop paying premiums and use it to continue your current policy for a specific time.
• Withdraw part of the cash value in the form of a policy loan.

You should consult your attorney or speak to the insurance company directly.