What are the rights of the deceased's children and parents to the insurance money disbursed only to his wife, according to U.S. laws?

The insurance premium paid goes to the heirs according to Islamic inheritance divisions: one-sixth for the parents, one-eighth for the wife, and the remainder divided such that the male receives the share of two females. As for the amount exceeding the paid premiums, the deceased does not legally own it, and unlawful wealth is not inherited.