This is insurance fraud, FYI. He could be in big trouble. Contact the insurance company to tell them you were never notified of the funds being sent, and he misappropriated then.
I think the play here is to offer your help with a style she might like but ask him if they had ever discussed budget for a ring and what he is comfortable spending. Do not offer to subsidise the ring.
While you know your friend loved her mother's ring, she actually may be uncomfortable wearing a piece of jewellery like that every day and would want something more modest.
This is insurance fraud, FYI. He could be in big trouble. Contact the insurance company to tell them you were never notified of the funds being sent, and he misappropriated then.
I think the play here is to offer your help with a style she might like but ask him if they had ever discussed budget for a ring and what he is comfortable spending. Do not offer to subsidise the ring.
While you know your friend loved her mother's ring, she actually may be uncomfortable wearing a piece of jewellery like that every day and would want something more modest.