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Shared ownership property

Me and my husband both work, and have a shared ownership property but only have 25% share and the housing association own the rest, not in a financial position to buy the rest of the house off, and only got 15 years left before we retire, how do we buy the rest of our house off, is there an insurance policy that would do that without having to die?  Maybe pay insurance up until be retire and then get a lump some to pay off the house. Can anyone give any help or advice on this matter. Thank you Tracey 
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