GILLIAM, District Judge.
Upon the pleadings, stipulations and the evidence, these facts are found:
Plaintiff is administratrix of the estate of Walter B. Bruce, deceased, by appointment of the Clerk of Superior Court of Wake County, North Carolina.
Defendant is an Illinois corporation engaged in the insurance business and duly authorized to conduct said business in the State of North Carolina.
On November 6, 1946, defendant issued to W. L....
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