Can family relatives pay my insurance premium to my insurer thus saving me $1250 a quarter so that I can reduce my current living dollars.

This is a loan.  Your relative is lending you and your wife the money needed to keep your life insurance policy in force.  There are several ways you could document this.  The most simple would be a promissory note by you and your wife as co-borrowers to your relative as lender.  There are standard forms available for download if you can't afford to hire a lawyer.  I'd look for what's called a revolving credit agreement.  You can make the total extension of credit an amount which would be enough to cover the next few years' worth of payments.  It can call for interest at the rate you select with repayment of principle (the money you received from the lender) and interest due and payable within a certain number of days after the insurance company pays the death benefit or, if for some reason there is never a payment of death benefits, within a certain period of time following your death.  Your insurance company may have a form available assigning benefits to your lender.  This would give an added level of protection or guarantee to your relative.  Of course, there are other legal and financial issues which can affect your interests so it's always better to review this with an attorney and tax adviser.