Hello. I am sorry for the loss of your dad. When the primary and any secondary beneficiary have died, then the proceeds of a life insurance policy shall be paid to the estate of the insured. It appears to me, based on your post, that you should have an attorney assist you at this time. I myself would want to discuss the situation with you in greater detail. Some attorneys, myself included, will confer for free, at no charge. Then, if legal work is performed, some attorneys, myself included, will provide a reduced fee for need. All the best.