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my father passed away in october of 09 my mother living with lung cancer knew my brother and i would need something to fall back on when the time came considering eventually the two of us would have either parent to lean toward. my mother passed away june of this year my mom had named me her daughter 97% beneficiary which she had changed nov last year she knew i would do the right thing and split it evenly with my brother since her death her husband 3% beneficiary holder is contesting it stating my mother was not in her right state of mind when these changes were made but my mother has never been declared incompitant by no judge or doctor for all that goes how is her husband whom she wasnt living with during her time of passing able to stop the insurance company from sending checks out stating she was incompitant i still need to pay for her cremation services and cant afford to do that HELP ME!!!!