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If you get the money from a paid policy is this a loan? Will my beneficiary still get money to help with my funera

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If the policy is paid up in full, my mom died she had the policy on me, if I get a loan for the 10 thousand she paid what am I required to pay back? Also will I be covered in funeral cost for my son who is my beneficiary?,
asked Jan 29 in Life Insurance by Gwendolyn
   

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