no the insurance company will make a payment out to me and another to be held until she is 18 so a declaration of trust I think they called it needs to done
mother and 21 because that is what I wish
If the trust has one beneficiary then that beneficiary can bring the trust to an end at 18 whatever the trust says. the rule in Saunders v Vautier already decided that.
The insurance co will usually let you have the deed and will deal with it by way of parental indemnity which gets them off the hook and puts liability for keeping the money onto you so that they can close their file.
We are unable to draft legal docs on here as this is just a QA site.
If the insurance co will not supply the deed, any solicitor can do you you for £200/300 plus vat or so
Can I help further with any specific questions?