i have a question about cancelling life insurance policy, maybe someone here can answer.
i have a life policy about 30 years ago , would like to cancel terminate it and get the cash value , as it is more than the policy payout . but when i inquire to surrender it , am told that i need to get the beneficiary signature as well else cant be done. problem is there is bad blood between beneficiary and me - so stuck at this . is there any way to go about this , surprise as i am the policy holder and paid for it all. so i basically have no rights as a policy holder ?

in the surrender form - it is written Trustee

though i would understand it to be beneficiary , meaning upon death that would be the beneficiary,
i dont know how it is now called trustee

if i have medical card already , can i dispose of my insurance policy from 30 years ago. it only has 30 k death benefit