The deceased and his first wife entered into a separation agreement requiring him to designate her as the beneficiary of a life insurance policy until March 1995.
He subsequently married the appellant and later developed Alzheimer's disease.
The deceased never revoked the first wife's beneficiary designation, and the appellant continued paying the premiums under a power of attorney.
After the deceased's death, the appellant claimed the policy proceeds, arguing unjust enrichment and seeking a constructive trust.
The Court of Appeal dismissed the appeal, finding that the beneficiary designation constituted a juristic reason for the enrichment and that the general release in the separation agreement did not override the Insurance Act requirements for changing a beneficiary.