Cancel the policy, I presume you are not dependant on your father's income in the unfortunate event of his death, just cancel it. It may be assigned to Start but there are still ways to cancel it, stop paying it and it will be cancelled very fast. Start might write a letter or two but realistically very little else they are going to do. Life policies are lapsing all over the place due to people not having the funds to pay them, it won't be the first time they will have seen it.