If I received a life insurance annuity payout by mistake, what are the legal ramifications if I don't pay it back?

Question Details: Recently I had a loved one pass away. I received a life insurance annuity payout, and then received a letter 2 weeks later stating that this payout was a mistake. I was asked to return it. What are the legal ramifications if I don't as this is the insurance company's mistake. Also, I am not sure if this in fact was a mistake, and I have no of knowing since I lived in a different state than my mom.

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