Can the beneficiary of a life insurance policy keep the money if the Will states what the money is to be used for?

Life insurance polcies pass outside of the will and are distributed free of estate debt.  The beneficiary names is free to use the proceeds as they choose and without obligation to the estate.

Yes, the beneficiary can keep the money.  The beneficary designation on the policy will control to whom the benefit is paid.  Life insurance policieis "pass out side the Will" as they say, meaning that they are not part of the estate unless the estate is the beneficiary.  Good luck.