Do I need letters of administration?

Toebeanbandit99

https://forums.moneysavingexpert.com/discussion/comment/81991948#Comment_81991948

This is a very valid point that I had not considered, thank you for your advice.

Toebeanbandit99

https://forums.moneysavingexpert.com/discussion/comment/81994577#Comment_81994577

It was paid into my bank account, but it doesnt say that trustees were named on any paperwork, so I am assuming it was paid into the estate and hence will be liable to cover debt costs. Having priced up the funeral fully now, the life insurance just covers the funeral costs, and as per the rules when someone passes without a will, reasonable funeral expenses can be settled before debts, so this policy has hence be safe and used appropriately for the funeral.