This response assumes that you are not in bankruptcy, and that we are talking about an estate in Florida. Your age is not an issue regarding an entitlement due to your being a beneficiary of a life insurance policy. Please explain why you believe there is an issue. Ordinarily, this is not a problem. Proof of the person's passing, a form to fill out, and proof of who you are, is usually all that is needed.
If you are stating that you are the beneficiary through inheritance, then that is a whole different issue, and I would need much more information to respond. in that case, you should speak to a probate attorney to determine your rights or entitlement.
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