An insurer offered a plan to cover an insured’s catastrophic illnesses for the remainder of the insured’s life in exchange for a large one-time payment at the inception of coverage. Because the program was experimental, the insurer would accept only a fixed number of applications during the enrollment period. A recent retiree in good health was one of the applicants accepted, and he enrolled in the program. He paid the one-time premium of $30,000 a few days before coverage began. The day after his coverage started, he was struck by a bus and killed. The executor of the retiree’s estate reviewed the policy and immediately notified the bank to stop payment on it. The insurer then filed suit against the retiree’s estate. Will the court compel the estate to pay the premium to the insurer?