Payment from Hanet et al VS Genworth

[CEM2]

I was offered 3 options in a settlement and opted for the optiion that gave me significantly reduced benefits, if needed, no more premiums due and a check for $10,000. It left my available benefits at about 1/4 of what they were.  I paid premiums with after tax money and held the policy for close to 20 years.  I've received conflicting advice from from the rep who sold me the policy, an attorney and a tax person.  I live in Oregon.  2 of the professionals indicate it is a return of premiums paid and not taxable.  Mine is similar to another question asked in the community but that person continues to pay premiums.