Micah He probably trusted her.
When I was younger I was persuaded by my mum to get a policy that would pay out after x yrs.
I gave her the cash each month (from very low part time wages, then later from full time wages) & she wrote a cheque each month to the company (because she also had a policy, she sent the two payments in one cheque). Because I was a minor, she had to be named as the policy holder, but the policy was in my name.
At 18, the company sent papers for us to sign, to get it all put under my name, thus removing her. We singed it and she said she would send it with the next cheque.
I cancelled it out early to pay for something a few years later. They sent the cheque in her name & she banked it into her account.
After a while, when the cheque "hadn't arrived" (I had moved out, but some post was still going to my home address) I called the company who said they sent it to my old address, so I asked her about it. She admitted to banking it & spending it, as payback for "all I spent on you over the years" There was a few grand there, and I never saw a penny of it.
The policy company never got the form from her, (I rang them & spoke to them at length) and I couldn't prove I had given her the cash previously, so they said that legally, they had done nothing wrong, and there was nothing I could do.
And therefore spelt the end of our relationship. You just do not ever imagine that a parent would steal from you, ever! I trusted her & loved her.