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 the deceased paying the debt to the creditor by such means is contrary to the provisions of section 237 of this Code; and

the amount of the said premium is disproportionately high when compared to the income or standing of the deceased.

Nevertheless, the premium which should be sent back to the mass of the inheritance must not exceed the sum paid by the insurer.

No statutory heir or legatee is required to observe the provisions of the will on specific title in excess of the amount of the inheritance property he has received.

No inheritance administrator is required to deliver the inheritance property or any part thereof to the heirs sooner than one year from the day of the death of the deceased, save where all the known creditors of the mass of the inheritance and legatees have already received the payment of debts and shares according to the will.