On June 19, 1956, Mrs. Ruth Noel drove her husband Mr. Marshal Noel, the decedent, from their home in Ridgewood, New Jersey to the New York International Airport in New York City. At the airport, Mr.Noel bought two separate policies of air travel accident insurance from an insurance agent at the amount of 62,500 each. The both policies named Ruth Noel, decedent's wife as a sole beneficiary of a decedent’s estate. Shortly after Mr. Noel boarded the plane to Venezuela and a couple hours later he died when the plane crashed into the Atlantic
