In which of the following situations is a statute most likely to provide an exception to the privity doctrine?

Question

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The privity doctrine generally holds that only parties to a contract have the right to sue to enforce their rights or claim damages under it. However, life insurance is a common exception to this rule, as it inherently involves a third party—the beneficiary—who, despite not being a party to the contract between the insurer and the insured, has the right to claim the insurance proceeds upon the insured's death.

In Which of the Following Situations Is a Statute Most