Do I Have to Pay Mom’s Debt With My $1M Life Insurance Payout?

My mom passed away last year with lots of debt in her estate. This debt includes a mortgage, IRS tax liens, credit card debts and other heirs who would need to be notified of her estate. The estate appears to be in debt just below $200,000 with no other assets available to pay for those debts.

Unknown to me, my mom made me the sole beneficiary under several insurance policies (well over $1 million), including her lifetime pension/annuity. Per her last wishes, through video recordings, she did not want any other family members to be notified of her death, not even my other half siblings. She said that I should simply walk away from all the debts, and all other belongings, including the mortgage.

I have done exactly as she wished, by filing all claims and paperwork, including the lifetime pension/annuity that I am now receiving. All proceeds from those claims are now deposited into my own personal accounts as the sole beneficiary.

The only liquid cash that she had was $3,000 in a bank account with no savings or other source of funds. The entire contents of her estate amounted to around $5,000 of personal belongings. At this time the house has gone through foreclosure, including all the furnishings and personal belongings left inside.

I have not made any effort to notify any debt collectors and or any parties who would have a claim as a creditor, including any heirs or family members. (Our family has had a bad relationship for over 10 years, and I was the only one who kept in contact.) I also haven’t filed any of her tax paperwork for the prior year for her final taxes. Her final paychecks were issued out to the estate, around $9,000, and would need to go through probate.

I have essentially walked away from everything as she has instructed, except to follow through with filing claims for both the policies and her annuity. My main question is, will I be liable for anything due under her name such as back taxes or any other. ..