She wants it for herself. She told me that directly. She could live to be old and she’s unsure of her financial future. My grandpa wanted me to have it.

If I do this I could essentially lose my mother figure in my life. If I claim the policy I don’t think I’d ever be able to face her again.

Update: People asked about our situations. My dad confirmed and told me she’s currently getting $5000/mo pension and SS. Everything she has is paid off. She is 81.

I’m a 25 year old union worker with a mortgage. I live paycheck to paycheck but it’s a living. I won’t die tomorrow if I don’t get it is what I’m saying.

He did leave her other stuff. This is just the policy where I’m the beneficiary.

Dad called her. She is claiming that having me as the primary beneficiary was a mistake. She’s willing to fight for it.

Update 2: I misspoke. I apologize to you all. She’s not in medical debt. She wants the money in case she lives long and gets sick. My dad said her exact words were that she wanted to “live off of it” near the end.