I am divorced and sole beneficiary of my ex-

insurance policy. I filed a claim to the life insurance and received payment.; do I have entitlement to the monies from the life husband's life insurance policy? He was incapacaittated and a ward of the court. We were married for 59 years prior to our divorce 4 years ago. Are the life insurance monies considered a part of the estate or is it a nonprobate issue? An heir is contesting the life insurance payment to the sole beneficiary which is me. Is this a debatable issue or is there a set rule followed? I put the life insurance monies in a seperate account, what should do?