Does anyone have experience with cash for life insurance in Maryland?

I'm looking into converting some older life insurance policies into a cash value payout, specifically the 'cash for life' type. I've done some research online, but the information is overwhelming and I'm worried about getting scammed. Has anyone here used a reputable company or local agent in the Maryland area for this process? I need advice on what questions I should be asking them and what red flags I should watch out for. Any recommendations for trustworthy local resources would be greatly appreciated.