Policy proceeds can be obtained in a lump sum and invested to create

A Cleanup Fund is typically established for environmental remediation and does not relate to the investment of policy proceeds for personal or familial financial planning. It serves a specific purpose in addressing ecological issues rather than managing or distributing inherited wealth.

A Readjustment Fund is designed to assist individuals in adjusting to new circumstances, such as after a loss or significant life change. While it may provide temporary financial support, it does not represent the long-term investment of policy proceeds into an estate designed for wealth transfer.

A Viatical Settlement involves selling a life insurance policy for a lump sum while the insured is still alive, usually due to terminal illness. This option does not pertain to creating an estate but rather liquidating a policy for immediate cash needs, thus diverging from the concept of building a long-term asset base.