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They were never married, we own a mobile home, a car and truck. Thats it.

My husband has life insurance through gaurds, he had bm as benificary (sp?)at one time until they split, I am now, and his mother is if we both go. Bm states she will get it all if he shall pass because they have ss together. Is this right? I thought it went to the benificary that is state on the policy.  She also told me she would get all claim to s.s. too and the children he and I have would not. They were never married, I am his first wife, and he is my first husband. Is this correct?  I was told ss would have a claim, but she wouldn't since they were never married.
I though some on here would now about this kind of stuff.