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Executors / Trustee bank account

Do I need to open one of the above accounts, as my mum has recently passed, she had a full life policy with Zurich, the thing is my late dad was the trustee, as this wasn’t  amended changed at the time of his death they are saying there is no trustee named so Zurich are now saying they can’t pay me out into a personal account I need to open a trustee bank account I am the executor of my mums will  and the only beneficiary.
Any advice would be appreciated 
Ann

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