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Can you confirm that all of the assets are in Ontario and that your ex spouse was living in Ontario at the time of his death?
This would not at all be considered fraud in Canada. He absolutely needed the death certificate.
But if your ex-spouse died before the other testator then his estate would not be entitled to the life insurance so the brother acted correctly and you could not sue for this money. It is not part of your ex-spouse's estate.
The Will is a matter of public record and anyone can get a copy of the Will from the local courthouse.
What your children are entitled to is a their father's share of the assets of the estate. The life insurance is not an asset of the estate. But they do share in what else is in the estate. All of this is a matter of public record.
You should retain a lawyer in Ontario to check the court file, review the Will and other documentation and be sure you children are inheriting what they are entitled to.
You can contact the Law Society and use their Lawyer Referral Service. You will be given the name of a lawyer and can consult with the lawyer and the first half hour will be free.
The number is:
1-***-***-**** or(###) ###-####(within the GTA)