OPINION
DANIEL F. FOLEY, Judge.
American Family Life Insurance Company (insurer) brought a declaratory action to determine the beneficiary of life insurance proceeds of its insured, John Noruk (decedent), after appellant (Hoff), the insured's wife, and respondent (Noruk), the insured's sister, both claimed the proceeds. Prior to his death, decedent had changed the beneficiary designations to name Noruk his beneficiary, but did so in violation of a summons...
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