Captain Hook, the insured, makes a contract with Peter Pan Insurance Company, the insurer, whereby Captain Hook will pay quarterly premiums of $$575\mathrm{.}00.$ Upon Hook's death, $$1,000,000$ will go to Wendy Little as the beneficiary. Further, the policy required that upon Hook's death, the beneficiary must notify the insurer within three months. Captain Hook did not inform Wendy that she was his beneficiary. Captain Hook died and her policy was not found until four months later. Upon finding the policy, Wendy informed Peter Pan Insurance Company that Hook had passed away, but it refused to pay her the money. Wendy sued claiming that she did not need agree to the time limitations and that she was entitled to the money because she informed them of Hook's death.

Wendy would best be classified as a$($n$)\_\_\_\_\_\_\_\_\_\_\_\_\_\_.$