Long story short my mom opened a policy in 89 I was born in 95 and the policy was never updated. We are currently paying the mortgage on her house. Her primary beneficiary is her husband from 2 marriages ago that passed away. Her secondaries are her parents. We have her will and I'm told it means nothing. Is there anything that can be done? My grandfather believes that the money was meant to be given to us so he is giving us half no questions asked. But my grandmother hadn't been talking to my mom and is being taken care of by my aunt who has charges for impersonating my mom, getting false credit cards and bunch of other things.. my grandma is schizophrenic. That's the jist of it all. My grandma wouldnt probably be manipulated by my aunt and such.