CASE 3 Benton carried on a successful restaurant business in Some months later, at the end of a busy day, Benton a large city, The restaurant had an excellent reputation and Simmons became involved in a violent argument This was for the most part due to the skill of Benton's Simmons left the restaurant saving. "Don't expect me to gourmet chef, Simmons work tomorrow. I quit I'll be in to pick up my personal Benton realized that his business would be adversely belongings at 8:00 am." affected If he should lose Simmons through accident or On his way home from the restaurant, Simmons Injury. For that reason he arranged for a life-insurance was involved in a serious automobile accident and policy in the amount of $100,000 on Simmons's life, and was killed. Benton claimed the $100,000 under the life- named himself as the beneficiary. The annual premium in Insurance policy. the amount of $500 was paid by Benton. Should the insurer pay the claim? What defences might it raise to resist the demand for payment