Life Insurance - My mother recently died and left a fully paid up life policy...

[Andrew B]

...proposed by her father? We have contacted the Prudential about this and they are saying that the benificiary would be my mothers fathers next of kin in this case my aunt who is the only one from the family still alive. Our understanding is that as my grandfather died before my mother it became an own life policy (ie owned by my mother) so it should be part of her estater ? Any ideas Thanks