OPINION
ROBERTSON, Judge.
Stacey Koors, a minor, by her guardian ad litem, Ronald T. Urdal, appeals the trial court's judgment distributing $50,000.00 in life insurance proceeds paid upon the death of Stacey's father, Jeff Koors [Father] to the guardian of Stacey and her two brothers for the benefit of all three children. The sole issue on appeal is:
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