Legal Question in Insurance Law in Florida

Is the entitlement to the money already fixed? Has the grandmother died? If not, then the beneficiary of the life policy can be a trust and that trust can administer the assets for the benefit of the daughter. If the death has occurred and the entitlement is fixed, the only way i can think of is to force an involuntary guardianship on the daughter. This would have to be imposed by a Court and based on her inability properly handle her assets. It can get ugly. Yes, of course, these matters are handled differently state to state. This answer assumes Florida.