HARPER, Chief Judge.
The action before the court is based on two insurance policies issued by defendant to plaintiff. Policy No. 11,335,891 is a modified whole life policy with face value of $10,000. Policy No. 31,000,481 is a five-year term policy with conversion privilege dated June 4, 1951, with face value of $49,000. Both policies provide for waiver of premiums in the event of total and permanent disability.
During 1952 plaintiff became disabled and defendant...
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