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The following web pages have advice on this topic.
Dear Ms. Holt,
Thank you for posting your request on History Hub!
We suggest checking your mother’s will to see if it mentions a life insurance policy.
We hope this is helpful!
There isn't a will
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Check with her place of employment to ask whether she purchased a group policy there.
If a smaller estates probate is going to be opened up eventually (did she have other assets in her estate that need to be probated, such as personal property, real estate), the executor is the only person who has authority to order copies of her monthly bank statements to see if she was making monthly premium payments to pay for her insurance policy.