Mo. Rev. Stat. § 431.066: Insurance benefits payable directly to minor, when — validity of receipt — disaffirmance prohibited.

1. When any minor eighteen years or older, being married, and the beneficiary of a policy of insurance on the life of his spouse becomes entitled to any benefits under the policy of insurance due to the death of his spouse, the insuror may pay the proceeds of the policy, not to exceed ten thousand dollars, to the minor beneficiary without the necessity of conservatorship or any other proceedings in any court.

2. The signed acknowledgment of the minor beneficiary shall constitute a legal receipt.

3. The acknowledgment of the minor beneficiary shall not be subject to disaffirmance upon the minor attaining twenty-one years of age.