Rockwills - Why Set Up an Insurance Trust?

A client of mine passed away leaving a sum of RM200K insurance pay out as legacy for her 3 nephews' education expenses. She appointed her brother as the trustee for the moneys.Now upon her demise, the RM200k is in the hand of her brother,the trustee.Recently one of the nephews wanted to further study a diploma course but the father is saying that it is a waste of money as he is not a 'study material' instead he is palnning to buy a house as the family is currently staying in a flat.Just magine, will the moneys been actually spend on the 3 nephews on their education? God will know.The client should appoint a corporate trustee and create an insuance trust. This will ensure her wish will come true!