My grandmother recently passed away and had a life insurance policy that was left for my son (8) and my daughter (4). They want to roll the money into one of their accounts with a 2% interest rate; however, if the money is invested through Edward Jones, they can get almost 7%. They told me that in order to do that I had to do a guardianship of the estate. They wouldn’t tell me what to do or what that means. One lawyer said that it would cost me $5,000 but the total amount is only 15,000. I’m just trying to figure out what I need to do to get the money from All State.