DEAR BRUCE: My mother passed away in October. I was the sole beneficiary of all her life insurance policies, which total more than $40,000. My question is, what should I do with the money? I am 50 years old and have a fairly decent job, with a retirement and a deferred comp in place of a 401(k). I can retire in six years. My house will be paid for by then, and the only other payment I have is a car payment. Should I pay off these loans or invest? I don’t know anything about investing. Can you point me …