My dad did not believe in Life Insurance, selfish, and mom has one that she paid for decades amounting to $4600. Mom took a life insurance out on dad and never told him and forged his name, he passed and had a wake and funeral. Now 8 years later mom is getting fragile and chronic health issues and the question is How do I get her cremated and no wake but church service and burial with $4600 ? I am her daughter and POA, but can I take some of her money and put aside for her passing? This is something that shocks me that Dad never took a policy out on her. I am stressed and heartbroken for mom.