Our expert says:
This is a technical life insurance question, far beyond my expertise. If he's open about this, he should give you a copy of both documents, anyway ( if he got run over by a taxi, maybe nobody's find copies of the policies to implement them ). Anf the documents should show whether he's being honest or not. Though of copurse, having suitably impressed you, he could stop paying on the child's policy, and change his beneficiary
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