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If you are correct, you have a less than 1% interest in this life insurance. If you meant 33.3%, that is significantly more. You cannot borrow from this trust, because you do not own it yet. You possibly could arrange to borrow some money and convince a bank or other lender to use your future inheritance as collateral.
I would try a bank, but not an ultra conservative bank. Perhaps one that is "locally owned" rather than a large entity, like Wells-Fargo. They are more willing to take a chance because they can check out the situation first-hand and possibly easier to convince them to take the chance.