law: Married Women's Property Act, 1874
  5. Married woman may effect 
  
  policy of insurance
  Any married woman may effect a policy of
  
  insurance on her own behalf and independently of her husband; and the same and
  
  all benefit thereof, if expressed on the face of it to be so effected, shall
  
  ensure as her separate property, and the contract evidenced by such policy
  
  shall be as valid as if made with an unmarried woman.