Plaintiff-respondent is the beneficiary of two policies of industrial life insurance issued on the life of her deceased mother, by defendant, in February, 1947, each for the face amount of $250. The policies contained the so-called standard statutory clause enacted by the Legislature in 1939 (L. 1939, ch. 882) and incorporated in paragraph (b) of subdivision 3 of section 163 of the Insurance Law....
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