COOLAHAN, District Judge:
Defendant moves for summary judgment in this action to recover the $30,000.00 face value of a life insurance policy under which plaintiff was the beneficiary; the insured was Richard Johnson, who died within 2 years of its issuance from burns suffered in a fire he admittedly started at the Johnson home. Defendant denies coverage and offers the return of premiums paid. Its disclaimer is based on the following exclusionary provision:
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