Jason had no mortgage, he paid for the house in cash, so it was not linked to a bank, it wasn't his death in service policy, that is another separate policy...
The facts are as stated by Lt Thompson the policy was changed few weeks beforehand to Molly been the sole beneficiary, can't see Jason excluding his children, he didn't expect to die while they were still so young, he was only 39, his marriage was over he was planning to move home, his father said yesterday the marriage wasn't good, so no way in the world would he change it to her, his marriage didn't turn sour in two weeks, she went and got advice about a divorce two years previously, I don't know how it was changed or who but IMO Jason didn't do it, he never changed his original will he made back in Ireland to make her guardians to the children, so if anything happened to him, he was going to give her all his money to look after herself!!!! but the children to his sister ..The Da wouldn't be bringing it up either if they believed Jason changed it. IMO
So if JC didn't do it, it was either done illegally or MM was the initial only owner of the policy. For all we know, it could have been a life policy owned by MM on the life of JC written under discretionary trust for the children for example. If the owners of the policy was joint life, it would need the be changed by both parties. If the life assurance company was suspicious about the alteration to the beneficiaries, they would not have paid out to the beneficiary. Any alteration to a policy so close to death would have raised red flags in any insurance company. The money AFAIK is being held in an account by solicitors of the estates for the moment until they decide would gets it. If there was anything illegal about the alteration I find it hard to believe that the prosecutions would not have brought it up. I agree, I cannot see JC doing it so it suggest to me that MM was the owner of the policy & also there really would have to have been another beneficiary on the policy for her to change as she would have been entitled to it otherwise by marriage. My initial thought when I heard all the insurance comments was that it was a Life of Another policy written in Trust.