my dad died recentley my sister my brother and i are his kids out of wedlock and he was also married what are we entitled too

Please understand that this is a very simple answer based on a hypothetical situation which assumes that there are no other relevant factors that have been omitted from your question. First, determine if there is a will, trust or other document that controls the distribution of your father's estate.  If not, the California Probate Code outlines rules of 'intestate succession' that govern the distribution.  If his wife is deceased, then the entirety of his estate passes equally to his children in the absence of a will.  The law does not distinguish between biological, adopted, or marital or non-marital children.  All legal children should receive an equal share of the estate.  You also mention a life insurance policy.  This is different.  The beneficiaries under that policy will not be determined by reference to California intestate succession rules, but rather the terms of the policy.   I hope this helps. Best of luck to you.