Should my sister change the beneficiaries on their life insurance policy?

My sister has terminal cancer. She has a life insurance policy which names her husband as the beneficiary. They have a mountain of debt, mostly medical but also credit card debt, and they have negative equity in their house. The question is, should she change the life insurance beneficiary to their children (ages 14 and 16) rather than her husband? Would that shelter the proceeds from creditors, and allow him to file bankruptcy if necessary? They live in southern California (LA area), they don't know any attorneys, and neither of them has the energy, time, or financial resources to research this. Someone (probably me) needs to tell them what to do. Any suggestions? Thanks! ...Steve