Mother gives 4 sons her home she pays insurance premiums in her name years later a claim is made who legally has claim to the insurance proceeds mother or sons insurance was never changed to the sonns?

The legal right to the money requested in the claim goes to the person who is named in the policy. Regardless of who was paying the premiums.... (even if the sons made the claim to fix something) Mom has her name on it she will be named on the check and will be the rightful recipient to the claim.