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i would call a few lawyers right away, most usually give a free, brief consultation on the phone...call more than one, to make sure you get the kind of information you want, (you may have to ask the first lawyer what kind of lawyer you need, as they specialize in different areas, or scan the yellow pages for mention of 'insurance-related' cases)...or call legal aid (see the govenment pages of your phone book, may be under a different name, try 'justice' or 'law'). there may be a 'consumer protection' listing in your government pages as well, where they could help you find out what to do in case of an insurance company trying to defraud the beneficiary of the policy...this happens fairly often...

here is the website for a Canadian insurance lawyer;

http://casselsbrock.com/profiledetail.asp?Sid=66

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Q: What can I do to get was rightfully left to me by my mother and step father's insurance policy?
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