That insurance protected his dependents all these years. He gets "nothing" when he dies anyway! It's the beneficiaries who collect! So now, the question is whether it is worth paying more money into the policy for a year or two or even longer for you, as his beneficiary, to get the promised benefit. And each policy has its own "maturity" definition -- so you need to know the facts. I suggest contacting Byron Udell at Accuquote.com 866-899-4849 -- and let him look at the details.