My mother in law was the underwriter of my life insurance policy. She is affiliated with Primerica so I had her open the plan. I was under the impression that it was a life insurance plan in case I died so my kids could get some money. Years later, I find out, now that we are divorced, that she made herself the owner of the policy and named herself the beneficiary!!! Without my consent!!! I know this woman now better than I did and my kids won't get a penny! What are my options? Do I need to seek legal assistance? Is what she did illegal?