Life insurance payout

I have a life insurance policy here in the UK.
When I had one in the states with my old employer,I remember have to write down the name of the person and how much percentage wise they get.

However, when I got my insurance with Tescos, I was told theres no such thing and I have to get a solicitor to handle all my life insurance payouts. Is this true?

Also, I have a very large sum of money to be given to my daughter when I die, I want to put it into an account that she cant touch until shes 21.  What account is best for that? And I also want to make sure NOBODY,especially my exhusband to handle the account or touch the money in the account. How do I go about doing that as well? (My daughter is 4 at the moment)

If the sum of money is very large you should consider consulting a solicitor/accountant who can help you set up a trust fund for your daughter. My best friend got left several millions when his father died and he was able to have a monthly stipend before receiving the bulk of his money when he turned 18. His parents were divorced and his mother did not (does not) have any say or control in the fund.

I'm not sure about the life insurance thing, I have it through work and I was asked to nominate someone to be a beneficiary, that person then received a letter they had to sign saying they wanted to be a beneficiary of the money (was my DB) that they had to sign and return before it became legal.