The hard part is over.
I'm matching you with one of our specialists who will be calling you in the next few minutes.
But it sounds also as though your mother wanted you to have the proceeds of the policy for taking care of your brother.
Tough call - maybe just put it in the bank and save it for a rainy day.
What was the intent when the policy was taken out? It seems to me if your mother was meant to have the money she would have been the beneficiary. There is obviously something missing from your story...