Estate Law Questions? Ask an Estate Lawyer.
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My condolences on the loss of your mother. Unfortunately, because the payout was issued to "the estate of" in order to get the money distributed to a probate will need to be opened in the County probate court in which you mom resided.
Typically in this situation, a lawyer will agree to provide services and be paid out from the payout of the life insurance policy.
To get this resolved as soon as possible and hopefully within you time frame you should contact a Texas probate lawyer immediately. Here is the Texas Bar Lawyer Referral Service that can assist you with contacting a local probate attorney in the County where you mom resided: https://www.texasbar.com/AM/Template.cfm?Section=Lawyer_Referral_Service_LRIS_
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