Not to be harsh, but why would HP owe you any of that money? This is a legal way for them to avoid taxes, yes it sucks that your mother died, but HP payed the p

Not to be harsh, but why would HP owe you any of that money? This is a legal way for them to avoid taxes, yes it sucks that your mother died, but HP payed the premiums, they did not take them from your mom, and they didn't lead her to believe the insurance would payout to her heirs, and they didn't prevent her from taking out an insurance policy for herself. You have no claim or right to that insurance money.