1.Will Ellen recover the $500,000 in insurance proceeds?

2.Is it ethical for an insurance company to deny a claimon the basis ofa "technicality?"

"Ill Xfinity Mobile LTE 6: 56 PM 9 2% \\ Reader View Available* C Case # 6 Barbara Hastings has no children of her own , but she does have a beloved niece named Ellen Laughridge . Attentive to the future financial needs of Ellen , Barbara secures a $500 , 000 life insurance contract from Chameleon Insurance* Company , listing Ellen as the sole beneficiary . Barbara has every intention to inform Ellen of her new life insurance policy , but " life gets in the way ," and she neglects to do so . Hastings dies on January 15 , 2005. As part of her estate distribution , Ellen receives a chest- of - drawers from her dear aunt . On August 29 , 2007 , while rearranging her clothing in the chest - of - drawers , Ellen comes upon a secret compartment . In the secret compartment is an original copy of the life insurance contract . Ellen is overjoyed to see her name listed as beneficiary , and she contacts Chameleon Insurance Company immediately . Upon review of the policy , Chameleon denies coverage . Chameleon's claims representative points to Section 15 ( b ) of the policy , which specifically requires notification of the insured's death no later than one year after death . It has been over two years and seven months since Barbara Hastings died . 1 . Will Ellen recover the $500, 000 in insurance proceeds ?" 2 . Is it ethical for an insurance company to deny a claim on the basis of a " technicality ? "