My estranged spouse was listed as a rider on my life insurance policy since 1987, we have been separated since 2009 and I have paid all premiums on the policy. My sons are the beneficiaries on the policy. The policy was for $54,000 and my estranged spouse's total assets when he died (not counting the policy) were less than $10,000.
Does the $54,000 need to be counted as part of his assets since I was the one that paid for the policy??