Kate goes to life insurance company and purchases a $3 million life insurance policy on her life. kate names her husband rich as the beneficiary of the life insurance policy—that is, he will be paid the $3 million if kate dies.

kate makes the necessary premium payments to life insurance company. she dies in an automobile accident. life insurance company does not pay the $3 million life insurance benefits to rich.
rich can sue life insurance company to recover the life insurance benefits because he is .

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That is true , instead try to have a sit down talk with them

Americans often speak of their country as one of several large regions.  these regions are cultural units rather than governmental units --  formed by history and geography and shaped by the economics, literature and folkways that all the parts of a region share. what makes one region different from another? a region's multicultural heritage as well as distinct demographic characteristics like age and occupation make regions different and special. within several regions, language is used differently and there are strong dialects. there are also differences in outlook and attitude based on geography.