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You do NOT have to repay this. You were the named beneficiary and the policy gets paid directly to you outside of probate. So, it makes no difference what your dad's will might have provided because when there is a named beneficiary on a life insurance policy, the proceeds get paid to that beneficiary no matter what the will says and no matter what your mom may now claim. She and her lawyer may wish you would give her this money, but you certainly have no legal obligation to do so!
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