522. Debtor and creditor
Where the relation of debtor and creditor subsists, and the true construction of the instruments and the real nature of the transaction show that the policy was effected by the creditor as a security or indemnity, if the debtor directly or indirectly provides money to defray the expense of that security, he or she is entitled to have the security delivered up to him or her when he or she pays the debt, which it was directly or indirectly at his or her expense effected to secure.