Sally entered into an insurance contract with Prudential to provide cover protection under an insurance policy that Sally chose. She did not mention in the policy cover any of her children's name or that of her husband's as beneficiary if anything happened to her. Sally was involved in an accident and passed away. In claiming her insurance, Sally's husband, Harry, was facing difficulty with Prudential because he was not named as a beneficiary in the insurance policy. With reference to relevant authorities, advise Harry on whether he has any right to initiate legal proceedings against Prudential.