If you can’t pay the ongoing premium payments on the policy you've donated, there may be some options. Some charities may agree to take over premium payments, especially if the policy has a cash surrender value that can cover these costs. You can also arrange a separate donation to cover future premium payments or look into policies allowing premium financing.If you can’t pay the ongoing premium payments on the policy you've donated, there may be some options. Some charities may agree to take over premium payments, especially if the policy has a cash surrender value that can cover these costs. You can also arrange a separate donation to cover future premium payments or look into policies allowing premium financing.