1. Stoddard was covered under a group life insurance policy and her ex-husband was the beneficiary. When she remarried, Stoddard designated her new husband, Thorne, as the beneficiary and Thorne mailed the form to Providian, the insurance company. When Stoddard died, Thorne claimed the benefits, but Providian denied the claim stating it did not have the change of beneficiary form in its files. Thorne argued that when he mailed the form a presumption was raised that Providian had received the form. Is he correct? Explain.