My Dad Died And Left Two Life Insurance Policies, One For Me And One For My Mother, Can I Fight My Mother Planning On Taking All Of It For Herself?

location: washington/montana (? i'm living in MT currently but my parents & all legal stuff is happening in washington state)

i(20m) lost my dad to suicide on the 7th of this month. he had been unemployed for several months up until this point, and it turned out after his death that he had been very behind on pretty much every payment in his life (mortgage, utilities, their shared car's tabs were expired, etc. also a LOT of gambling debt). the only thing he had been paying for was two life insurance policies he'd been feeding into since i was born. they were meant to be one for me & one for my mother, but i don't know if we were officially named beneficiaries or if they were two general policies he held. by the time he died there was about 500k total between the two policies.

the conversation about it started with my mother saying she wanted to go back to school and use some of it for that, but she continually talked about it "setting up both of us to not struggle without him gone" and how part of it was going to me. over the last 3 weeks it turned into "i can help you guys (me & my spouse) with a new car and a down payment on an apartment" into "i can help you with a down payment on a car". now she's turned around and told me she is basically going to use every single cent of the policy, assuming the insurance company pays out the absolute maximum, to partially pay off the house they lived in (bought last november-ish at 650k+, not sure the exact price), go back to school, and "figure it out from there". this is assuming the mortgage company allows her to assume the debt at all.

she currently has 6 dogs, 5 cats, and 5 chickens. she refuses to even entertain rehoming any of them, which is why relocating into a smaller house/apartment isn't an option she'll consider. at this point i don't know what to do. i have no way of checking if i'm a beneficiary as i'm not able to access any of the physical paperwork and don't know what my dad's ssn was. this life insurance money was genuinely going to be the difference between homelessness and keeping our heads above water. even if we only saw 10k of it it would be enough to keep us going for the time being. is there any way to fight this on the basis of half of it always being meant for me, even if i'm not a beneficiary? is there any recourse for her taking all of it after promising to help. any attempts i've made to tell her we need help have been met with "well you can just move into the upstairs part of the house and live here for free other than utilities and then in like 2 years i'll be able to help you :)" which doesn't help us now. i'm not sure what to do.

note: everything i've heard in regards to the life insurance policy has been second hand, so there's a possibility i AM listed as a beneficiary or something else is different, but i am out of state with no access to documents & also my mother is just not smart enough to lie and try to take all of it for herself. lol