Some do have small cash values, and some are actually considered participating policies. (lifeant.com)
For people who are in this situation payday cash advance loans are certainly a welcome relief, as they allow people to access small cash loans that can be repaid with their next paycheck. (SpeedyPaydayCash.net)
T - bills may be a good fit for those with smaller cash balances due to their low minimums and minimal fees if any. (wisemoneytips.com)