Life Insurance beneficiary. How do I receive what is money is coming to me?

My Mom passed away 2 months ago. She had a small life insurance policy that covered all of the funeral expenses which sure helped our family. My sister and I were named beneficiaries on the policy so what is left over will be divided between us. I found out the my Mom took out a small loan with the life insurance company against her life insurance policy at 8 % interest about 8 months ago. She never told me about it, but I found out shortly after she passed. We still have not received our check from the Life Insurance Company and it's been long, but I don't know how they will handle the loan now. Would they just take it out what she owes from what is coming to us? I know I need to call them to check on Monday, but if anyone else has gone thorough this type thing, Please share your experience or advice. Thanks