Sam purchased a life insurance policy from National Life Insurance, Co. The policy named Sams wife, Lisa, as sole beneficiary, which has a face value of $750,000. One year after the policy took effect, Sam died of a stroke. Sam properly disclosed on the application a preexisting medical condition that caused the fatal stroke. National refused to pay the death benefit to Lisa. If Lisa, sues, she will

Win because she is an incidental third-party beneficiary

Win because she is an intended third-party beneficiary

Lose because she is an incidental third-party beneficiary

Lose because she is an intended third-party beneficiary