If I get checks for 8 years of my life every month can I receive them all at once because of no income and is pregnant?

It depends on what the Allstate life insurance policy under which you are receiving the payments provides. It may give Allstate the option to make advance payments to you, under circumstances of need like those you are facing. Try working with Allstate and see what it might be willing to do.

is this an annuity or structured settlement? It sounds like it is. If it is, there are plenty of structured settlement companies that will purchase your annuity, and give you a lump sum. I would suggest being very careful and SHOP AROUND FOR QUOTES as they can really screw you. For example, and this is only an example, if one company says they will offer you..............X dollars. Well that may be thousands less than somebody else. You need to shop it!!!

It's unlikely that you'll be able to get the insurance company to pay you the entire amount up front in a lump sum. There are a variety of financial companies which, in certain circumstances, will purchase the rights to receive your payments directly over time and in return pay you an upfront lump sum, though this financial service is typically rather expensive, relatively speaking, and it's availability depends on a number of factors which are too nuances to detail here.