Paid up insurance policy

[fransisco]

I understand to avoid a paid up life insurance policy being included in my final estate, I need to make some provision so my sons have this money to pay my funeral expenses. Does somebody please know what this'something is'?

[themas]

The insurance policy should be written in trust for named beneficiaries (i.e. your sons). This is usually done when the policy is taken out. Whether you can get it done now for a paid up policy I don't know - you will have to ask the insurer.