Hello! My name is ***** ***** I am a licensed attorney with more than 18 years of experience. I am here to assist you with your questions. Please understand that if I ask you for additional information, you are NOT charged again and our communications are NOT timed. So please see this as a relaxed conversation between friends. I am here to help
Also, if you would like to chat on the phone, let me know and I can make that happen.
I am sorry for this dilemma.
And even more sorry to be the one to bear bad news. The insurance premium is not to be use for the funeral.
If the money is insurance proceeds? That is not part of the "estate" of the deceased. It belongs to the child and can not be used for any other purpose. Period.
While it is true that money from the estate of a deceased can be used to pay funeral expenses, what you are describing is not part of the estate...again, insurance passes outside of probate.
So your friend will not be permitted to use that money for the funeral
This is the part of my job I don't like...when the law is not in favor of my customer. I wish I could tell you that she can use this money, but I can only provide you information based on the law so that you can act on the best available information to you...I wish I had better news, but can only hope you recognize and understand my predicament and don't shoot the messenger. I'm sorry!
Please let me know if you have more questions. I am happy to help if I can. Otherwise, please rate the answer so I may get credit for my work.