Missouri Medicaid & Life Insurance?

Care giver for cousin on Medicaid & she recently found a life policy that her parents took out on her. Her 99 year old mother just died, and in going thru paper work she found this policy....so she reported it to Medicaid. So , I want to make just a brief comment to mbrcatz...we are not trying to defraud the medicaid system. I was named as beneficiary on this policy. I don't care how the policy is managed. If she dies in 2 yrs. or 20 yrs. , yes the cash value will increase...but the death benefit is $10,000. That will bury her. I don't want any of her assets...she owns nothing but a car, and a house. She is an only child who just lost her mother...and I am only thinking of ways to protect her and help her. I am not out to defraud any one. Just asking simple questions- hoping to get good advice. Mbrcatz answer was rude! My cousin has been on kidney dialysis , for the past 5 years, due to a failed kidney transplant. She has been in and out of hospitals and last year I almost lost her due to a blood clot to the lung. Like I said I am only looking out for her good; not intending to defraud the govt. or any one else. She NEVER intended to cash in the policy for the cash value $$. She only wants the policy to bury her. I think I have found good advice from one person on here. I will not ask this question again.