CaseHypothetical# 1

Barbara Hastings has no childrenof her own, but she does have a beloved niece named Ellen Laughridge. Attentive to the future financialneeds 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 doso.

Hastings dies on January 15, 2012. As part of her estate distribution, Ellen receives a chest-of-drawers from her dear aunt. On August 2 9, 2014, while rearranging her clothing in the chest-of-d racers, 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 thepolicy, which specifically requires notification of the insured's death no laterthan one yearafter death. It has been over two years and seven months since Barbara Hastings died.

Question: Will Ellen recover the $ 500,000 in insurance proceeds? Is it ethical for an insurance company to deny a claim on the basis of a "technicality?" (need 4 to 5 lines)

CaseHypothetical# 2

Michael Angelo is a renowned "House Painter for the Stars. "His craft is well- known throughout Hollywood land, he is in high demand, and he has limited his work to celebrity homes valued at $2 million or more.

Sandra Aniston, a "star of the screen," commands at least $20 million per film. Her net worth is rumoured to be in excess of $100million. Sandra has soughtandsecured Michael'sservicestopainthernewhomenestledinthe Hollywoodlandhills. Whencompleted,Sandra'snewhomewillbeworthan estimated $2.25million.

Michael Angelo is extremely busy. He is currently paintingthree (3) homes for three (3) different movie stars:Damian Gyllen haal, Tommy Depp,and Bra d DiCaprio. He would like to have his associates, Jim Beavis and Buddy Head, perform the painting of Sandra's house. Jimis twenty-one years old and has three (3) years of house painting experience, while Buddy is twenty- seven and has four (4) yearsof experience.

Question: From a contractual stand point, may Michael Angelo have his associates,Jim Beavis and Buddy Head, paint Sandra Aniston's house? Would such an arrangement require Sandra Aniston's approval?(paragraph 4 to 5 lines)