My son has a life insurance policy at his place of employment.I have been paying on his policy for for 12 years, he is now 23.I called to find out if I could cash in his policy, I was told in the state of Ohio the cash value is zero!He was rude and told me I could just stop making payments, and I would have no further obligation to them, therefore surrendering his policy!I guess there was some fine print somewhere!I recommend finding out about your states policy before buying from this insurance company!I'm p****d!