A creditor is favoured by a person who is owed by the promise of an obligation. Imagine in the previous example that Bob would have paid Robert to shovel his snow. So if Robert hires John to shovel Bob`s snow, he does so to compensate for his own contractual obligation. Bob is therefore a third believer. Generally speaking, an envisaged beneficiary is one who: the rights of a third party beneficiary remain unshakable if one of the following three things happens: a beneficiary can sue the promiser directly to enforce the promise. (Seaver v. Ransom, 224 NY 233, 120 NE 639,1918). A beneficiary is that when a contract is expressly concluded for the donation of a gift to a third party, the third party is designated as the beneficiary. The most common beneficiary policy is a life insurance policy. In both cases, the parties may withdraw or terminate the contract until receipt or confidence.  In both cases, a third-party contract differs from the Agency in that the undertaking acts in its own name and for itself, but not a representative or representative. .