It is sad to note that your husband has expired. Please approach some good lawyer of your area and discuss your issue. While approaching please keep the LIC Policy Details, your Marriage Certificate and death Certificate of your spouse, and your family details which should contain your name, you children name and mother in law/ father in law, unmarried sister in laws details. He will analyse the case and take up the issue to resolve.
19th April 2014 From India, Kumbakonam