Who collects on behalf of a deceased beneficiary?

Question Details: My grandmother just passed away and we found out that she still had my deceased mother as one of the beneficiaries on her life insurance policy. My mother has been dead for over 2.5 years. My grandmother also has my uncle as a beneficiary. My mother has 3 living children, 2 of whom are over the age of 18. Who has rights to my mother's portion of the payout? The funeral cost have been covered already.

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