it is sad to hear that your son died. the emotional burden on you is more than I can understand.

i'm told that life insurance in this case is not community property — your husband was not part of the community relating to the policy and thus has no interest in the proceeds.

No, assuming the payout is ONLY to you, and you keep it in a seperate account in just your name.

Any inheritance or gift specifically to ONE person – and the life insurance procedes could be considered either – are NOT subject to community property.

I'm not a Texas lawyer, so you'll want to get confirmation from one. But I AM a Texan.

No such thing as "too much". If a company will sell it to you, you can buy it. There's no fraud in the situation you describe.

That really is up to the insurance company if they feel there was fraud committed they will deal with it, if I were you I would stay out of it – if you are not family it is not your business.

LIFE INSURANCE THERE IS NEVER ENOUGH AND SAME WITH HEALTH AS THE COSTS RISE DRAMATICALLY . YOU CAN CONTACT THE TEXAS BOARD OF INSURANCE AND FILE A COMPLAINT . TY FOR THE 10 POINTS IN ADVANCE

At the local Texas police department

You can contact the Texas Department of Insurance to file a fraud cliam.

Go to http://www.tdi.state.tx.us/fraud/index.h…

This is the fraud unit of the Texas Department of Insurance.

I hope that helps! Take care and best of luck.