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| Jones owned an insurance policy on her life, on which she paid all the premiums. Smith was named the beneficiary. Jones died and the insurance company refused to pay the insurance proceeds to Smith. An action by Smith against the insurance company for the insurance proceeds will be A. Unsuccessful because Smith did not pay any of the premiums. B. Successful because Smith is a third-party donee beneficiary. C. Unsuccessful because Smith was not the owner of the policy. D. Successful because Smith is a proper assignee of Jones’ rights under the insurance policy. |