Are the sums disbursed by the insurance company to the mother and the unmarried sister considered an inheritance in which I have a right, and is it permissible for me to take my share from it without informing them?

The gist of the answer: A death grant or compensation from insurance becomes part of the deceased's estate and must be divided legally among the heirs. The deceased's designation of a specific person to receive the compensation is irrelevant. If the heirs are only a wife and two daughters, the wife takes one-eighth, and the remainder goes to the two daughters, both as a prescribed share and by way of return. It is permissible to claim the right without their knowledge if it is strongly believed that they will not accept the legal division.