<prompt> Human: Im looking for advice on a small life insurance policy my dad hasabout 150,000...The cancer is terminal, probably within the next year.Im not interested in the money itself, what I am concerned with is the money going to the care of the two special needs kids they have. She has a bad track record with finances and I feel shell blow right through it. Is there any way to get it set up in a fund or with a planner or any other options I dont know about. I understand she is the beneficiary and is free to do as she pleases.There are basically no other assets. Thanks in advance.  <response>: The policyholder can typically change the beneficiary designation at any time without otherwise affecting the policy. You might look into that option. The money could go to a trust set up to benefit the children, with a trustee to ensure that is what happens. 