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Hello - how long ago did your mum take out this insurance? do you have an address for your dad in the U.S?
Thank you. As you appreciate, your father was never divorced and he committed the criminal offence of bigamy when he purported to marry his new wife. In fact, unless he remarries his new wife, she has no legal status.
Your father remains married to your mother (from what you have said) and as such whilst your brother inherits everything in the life-insurance policy by virtue of the fact that he was named as a beneficiary, your father inherits everything else. He may agree, in view of the fact that he has another “wife” that he doesn’t want anything from your late mother’s estate but legally he is still her husband.
Because of the amount of money involved in the life-insurance policy (the proceeds will go to your brother if he is named as beneficiary) the life-insurance company will either want Grant of Probate (if there was a will) or Letters of Administration (if no will) from the probate registry. That is the situation you are in.
There is no reason why a close relative such as you or your brother cannot make that application.