<prompt> Human: My father recently passed away and had a life insurance policy with my mom as the beneficiary. This policy was originated in 2002 when my sisters and I were teenagers. My mom and dad got divorced pre-2002. I get the logic when we were kids that our mom made more sense to handle a large sum of money, but the kids are all adults now and everyone including our mom thinks the money should go to the kids. Whats the best strategy to move the money to the kids?  <response>: Mom could gift the money to the kids, but thats entirely up to her. Its moms money now. 