Legal Question in Insurance Law in Pennsylvania

If there's no beneficiary listed on the policy then the death benefit goes to your brother's estate & is distributed as part of the estate in accordance with his Will, or if no Will in accordance with what we call the intestacy laws. The ins co cannot just pay to someone claiming to be "next of kin." If there's no Will the net amount to be paid to beneficiaries goes equally to any spouse & children if there are any. If none then to siblings.