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Just read, that to change beneficiaries concerning an insurance policy, it has to be written in the POA. POAs cannot change Wills.
Without a POA your sister cannot do much. I wonder how she sold the house without a POA. If her name is on his accts, not much can be done there. But the sale of his house? She better know what she is doing. It should have been sold at Market value if Medicaid is ever needed. The proceeds going to an acct for him. Anything spent out of that account needs to be for him only. She needs to keep very good records. Just being his daughter doesn't give her rights.
Where did your father live for the past two years? Where is your cousin? And where did he live before that?
If your sister doesn't want to use the money from his house sale for his care, then what is she doing with the money?
Have you seen the will where you and your sister have each been left 50% of the proceeds from the insurance policy?
You could remind her that fraud is a serious crime, as is exploiting a vulnerable senior. You could sweetly offer to check with the local district attorney's office to get all the details for her, too. ;-)
If you’ve granted someone a power of attorney—a legal document that lets someone make financial, legal, or medical decisions on your behalf—they may have the right to change your beneficiaries. No one can change beneficiary designations after the insured dies.
There are two circumstances when you need another person’s permission to update a beneficiary: if the policyholder lives in a community property state or if they designated an irrevocable beneficiary."
Source:
https://www.policygenius.com/life-insurance/can-you-change-your-life-insurance-beneficiary/?utm_source=google&utm_campaign=c:sem|p:google|v:life|b:nb|d:dt|a:all|i:all|m:dsa&utm_medium=cpc&utm_content=527288553794&utm_term=&utm_location=9012429&utm_device=c&campaign_id=12560016618&lptest=&gclid=CjwKCAjww-CGBhALEiwAQzWxOgdiSh7ZLpj9oEUYTocRIq4kUxnEAyUVSr4AG7OmzE4Ux5JXjW6zzBoC_1EQAvD_BwE