How to claim benefits/compensations from insurers and banks in case of late intimation?

Location: Thane, Maharashtra. My mother passed away more than six months ago. She died in an unfortunate accident. Father predeceased her long ago. My mother held a health insurance policy that offers a fixed monetary benefit/compensation in the case of accidental death. I am the only nominee to the said policy. She had bank accounts in three banks (one public sector & two private ones). Though I am not sure but there must be some monetary benefits/compensations that come with the bank accounts &/or the issued debit cards, which we (I & my sibling), being nominees to the accounts as well as the only legal heirs of the deceased, are supposed to receive from the banks. She also held a PMSBY government insurance policy (through the public sector bank), which too offers a fixed monetary benefit/compensation. The issues are as follow: 1. It’s been more than six months & we were not aware of the benefits/compensations until now (& are still not aware of some). 2. The health insurance policy my mother held has expired [Though we have intimated the insurer with whom my mother held a health insurance policy but only to claim reimbursement of the medical expenses that occurred during her hospitalization & not to claim the fixed monetary benefit/compensation being offered by the insurer (The claim is under process)]. 3. We have already closed two of her bank accounts (one with the public sector bank & other one with a private sector one). 4. Till 2023, the PMSBY government insurance scheme’s premium amount was getting auto-debited from the bank account but due to incompletion of Re-KYC, it stopped from there. So my question is, considering the circumstances mentioned above, how we can claim the benefits/compensations that we are supposed to receive from the concerned parties? I am looking forward to consult with an advocate, preferably the one who deals exclusively in consumer cases or at least has a specialization in it with a considerable experience. Kindly leave contact details if anyone’s profile matches with the above descripttion. Thanks in advance.