I have seen the ads. While I am not certain what they are doing, I suspect they will only be interested in a term policy if the insured has been diagnosed with an incurable malady. They would simply be advancing the death benefit. Obviously, they will take a hefty fee, similar to a viatical. But, once again, I am only guessing.
"Oh, twice as much ain't twice as good
And can't sustain like one half could
It's wanting more that's gonna send me to my knees" - John Mayer