Son inherits house + 9 insurance policies after caring for father for 30 years! Faces 'meltdown' during inheritance process -1

Last month, A-Chang came to the office with his father's inheritance documents. His mother passed away early, and his father's greatest regret was not living to see A-Chang get married and have children. A-Chang has an elder sister who is married and rarely visits, and a younger sister who is almost fifty and still unmarried. A-Chang is from Pingtung and worked with his father in the market for thirty years. As the only son, his father doted on him. Early on, his father transferred the family's townhouse to him and also bought him quite a few insurance policies. His father often said, "You're my only son, who else would I dote on? I want you to do well in business, get married, have children, and let me hold my grandchildren." Later, A-Chang married a Vietnamese wife. His wife diligently helped him at the market, their business flourished, and they had two children. His father watched with great satisfaction. After his father passed away, he left behind a market stall and a piece of farmland. When A-Chang came to handle the inheritance with the asset list and financial inheritance documents, I saw nine insurance policies listed: the policy owner was the father, and the insured person was A-Chang. I paused and asked him, "You just said the insurance your father bought is under your name. Do you know if 'under your name' here refers to the insured person or the policy owner?" A-Chang froze. I explained to him that the policy owner for these policies was the father, and the accumulated value of the policies might be part of his father's estate and must be included in the inheritance inventory. As for changing the policy owner and how to proceed, it needs to be confirmed one by one according to the policy details, value, and inheritance procedures. Being the insured person doesn't mean the policies are already A-Chang's property.