The a mount received fron the insurance of your late father belongs to all the inheritors of your late father according to their shares of inheritance in Sharia. You don't need to give Khums from your share because it was been received as inheritance from your father.
A person can only have a will(written or spoken) up to 1/3 of their wealth and if it goes beyond this limit, the legitimacy or efficiency of this will is dependent on the permission of the rest of the heirs, for example if one decides that all his house which is worth $1m be for one of the heirs, this will is only accepted up to $333,333 and the rest will be given to him unless the other heirs accept the will. Otherwise this person will have 1/3 of the house as a result of the deceased will and will also have a share in the 2/3 of the remaining according to inheritance rules.
Same like the distribution of her own wealth between her children. Every son will get two shares and every daughter will get one share. Whatever she had inherited from her father or mother, etc, belongs to her and owned by her.
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