The Moneyologist: Can I leave my stepchildren nothing if my husband dies?

Dear Moneyologist,

My husband and I married last year. This is a second marriage for each of us. I have two adult age children and he has two minor children. In his divorce decree it states that he shall maintain a $300,000 life insurance for his children as beneficiary until they reach the age of 23. However, on the actual policy he only has me listed as beneficiary. There is nothing indicating that this is left for his children should he pass prior to them reaching age 23. What would the legal liability be on this if he should pass before me?

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