Insurance Fraud???

My late father was diagnosed with PCA (posterior cortical atrophy) which is a form of early onset Alzheimer’s in 2018.

At the time he had a life insurance policy listing me and my two sisters as the beneficiaries, all receiving equal payouts. In 2019, money became tight for my dad and he was at risk for lapsing on his policy which he shared with a close friend/ caregiver and they decided to take over payments to ensure the policy stayed active. At this time, the beneficiaries were changed so that myself and each of my sisters would now be receiving 10% of the policy (in total 30%) leaving the my dad’s friend/ caregiver with 70%. At this time my dad had already started to show signs of some cognitive decline, like getting lost on walks in neighborhoods he was familiar with, lost his ability to continue his career is woodworking due to poor coordination and had received an official diagnosis from a neurologist.

Unfortunately my dad passed away in January, which is when we were informed of this policy and all the details mentioned above (in regard to the life insurance policy). When we received our payout this is when it because clear to us that we were each receiving $10k while his friend/ caregiver would be left with $70k.

To give additional context, we had a great relationship with our father. I don’t want to include much of my input to keep things unbiased but I wanted to hear what others might think about this situation and if they would investigate further into the drastic change in the beneficiaries.

TYIA