... Notably, plaintiff did not file suit against the insurer. See N.J.S.A. 17B:24-5 (stating that an insurer is discharged of any claims against ... Life Ins. Co., 124 N.J. 338, 348 (1991) (citing N.J.S.A. 17B:24-5 and Hirsch v. Travelers Ins. Co., 153 N.J. Super ...