I have paid life insurance on my grandkids since birth. The oldest two are 26 and 24, they are not in school and do not have jobs. I intended on them taking over payment by now. I have 6 others to pay on. I want to cash in the policies of the oldest two, however they want to a piece of the funds. They have never paid on the policy and neither has their mother or father (my son). Are they entitled?