If the only person who can get the money is you (or your partner or children or whatever), it’s fine as a form of compensation for potential damages.
If anyone, including your surgeon, can take that life insurance policy based on your life, things can go bad pretty quickly (hint: what happens if a profit-maximizing surgeon would earn a lot more money from your policy than from his regular job?).
If anyone, including your surgeon, can take that life insurance policy based on your life, things can go bad pretty quickly (hint: what happens if a profit-maximizing surgeon would earn a lot more money from your policy than from his regular job?).