521. Lien on policy for premiums
When a person, not being the sole beneficial owner, pays the premiums for the purpose of preserving a life policy, he or she is entitled to a lien on the policy or its proceeds in the following cases and not otherwise—
(1) by contract with the beneficial owner;
(2) by reason of the right of trustees to an indemnity out of their trust property for money expended by them in or about its preservation;
(3) by subrogation to the right of some person who, at the request of trustees, has advanced money for the preservation of the property; and
(4) by reason of the right of a mortgagee to add to his or her charge any money paid by him or her to preserve his or her security.