The word "insured" as used in this article, shall not be construed as preventing a person other than the insured with a proper insurable interest from making application for and owning a policy covering the insured or from being entitled under such a policy to any indemnities, benefits and rights provided therein.
Third party ownership of policy covering insured
W. Va. Code § 33-15-8, under Article 15.
W. Va. Code § 33-15-8