If we just received a back dividend check made out to my mom's estate, how can we cash it?

Question Details:

My mom died 4 years ago. The bank will not cash it ($60), stating they have to have probate paperwork. We didn't go through probate because the assets were so small. Everything was already in a joint account with my name. The insurance company will not send a check to me, even though I can provide death certificate and copy of will, naming me as executor. Neither will budge. Other options?

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