We are of opinion that the money, received upon the policy of insurance, stands in place of the buildings consumed by fire — that Mrs. Daves is entitled to the interest thereon tor life, in lieu of the use and occupation of the buildings, and the said John, Edward and Graham Daves will, at her death, be entitled to the principal money. The executors are not authorised to entrust Mrs. Daves with the money. It is their duty to keep it secure, paying to her the interest annually. The premiums of insurance is a proper charge against her and the remainder-men.

Per Curiam. Declared accordingly.