the insurance company will not pay out until a probate has been obtained and then the money is paid to the executors of the will ,the cheque will be made out to "the estate of ****(insert deceased's name)" ,it sounds if you are saying there is more than one executor,the funeral is the first claim on any funds paid out of the estate and then the executors should act upon the wishes of the deceased and allocate the money as instructed which includes all insurance policies if they were just life policies in the name of the deceased and not for benefit of child,the name of that child would be on the policy if that was the case as it is actually the child who takes out that sort of policy.