SMITH, Justice.
Aletha Brown Thomas ("the wife") sued her brother-in-law Brian Thomas ("the brother") in the Montgomery Circuit Court seeking to recover the proceeds of a term life-insurance policy owned by John T. Thomas, Aletha's husband ("the husband"). After a bench trial, the trial court entered a judgment in favor of the brother. The wife appealed, and the Court of Civil Appeals affirmed the judgment of the trial court. Thomas v. Thomas,
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