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It will have to go through Probate. You may be the beneficiary of your mothers estate, but if you were not listed on the insurance policy, it is just issued to the estate so that no one can come back on the insurance company if there is a dispute between people or debts owed. This way the insurance company is out of the picture and it is up to the court to decide who gets it.

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Q: Have been taking care of mothers final expenses and was issued a check by ins co for death benefits the ins co made it to the estate instead of you the beneficiary bank wont honor it?
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