Google - What are our options if our life insurance terminates unexpectedly?

I can understand you are sad about this but unfortunately I think this is fair. Insurance companies cover risks, they can not cover certainties. I do not want to upset you more but try to imagine you go to an insurance company and want to get insurance for a building which is planned to be demolished. Nobody will cover that as it is not a risk but a certainty. Sadly, as we grow old the odds to die increase to the point that it is likely that it will happen any time soon. If an insurance company would accept to cover such a virtual certain event, the premium they would charge would be huge compared to the disbursement so, economically, nobody would go for it. I personally never paid for life insurance - preferred to invest in a hybrid product with minimal life insurance cover and maximum capital investment so when the time will come I can take out the money or if I unexpectedly die my son will take out the money. Again, this seems not to be feasible in your case as you are already in your 80s. The only option I see is that you save an amount of money equal with the insurance premiums you would have paid and thus build some sort of self-insurance fund. I know it will not pay to the level of the potential disbursement but I really can not see any other option... Good luck!