Legal Question in Insurance Law in Georgia

LIfe insurance policies

A man passed away. He had left 3 insurance policies. One to his neice, 2 more for his astranged daughters. The neice had one in the amount of $5,000, one daughter had one in the amount of $10,000 and the other daughter had one in the amount of $2500. The daughters made ALL arrangements for the funeral as well as signed all paperwork for the funeral. When the time came to sign the policies for payment of the funeral, the daughter with the $10,000 policy signed under the stipulation that only $2700 of that policy be used to pay the $7700.00 bill and the rest be paid with the $5,000 policy left to the neice. This was not discussed with the neice. The $2500 policy is presumed already cashed and is not in consideration. The niece refuses to sign the $5,000 policy due to the fact that she wants to purchase the headstone and slab which would most likely never be purchased otherwise. Does the niece have the right to refuse to sign and use the $5,000 policy to pay on the funeral? Shouldn't the daughters be held responsible for paymt. of the funeral bill as they were the only ones signing for it?

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