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Hi and welcome to JA. Ray here to help you today.
Yes assuming you are the named beneficiary it passes to you directly by contract not by probate.You can sign a disclaimer in probate to her estate and it goes to the other legal heirs here.You want to make sure you are the named beneficiary here before you disclaim.Assuming you are then it is apples and oranges and the life insurance pays to you directly, they will want a death certificate to pay the claim.
I appreciate the chance to help you today.Thanks again, sorry about your mother.