Cynthia and Brian were friends. Brian was a dare devil. Because of his antics, Cynthia thought that Brian wasn't long for this life. Cynthia purchased a life insurance policy on Brian's life. Subsequently, Brian was killed in a car accident. Since Cynthia and Brian were friends, Cynthia had an insurable interest in his life and will be entitled to the insurance proceeds.
Cynthia is not entitled to any compensation or insurance proceeds just because she took a life insurance on Brian. The only person who can claim Brian's insurance proceeds is whoever Brian named as beneficiary.
