HILL, Justice.
Wing Jung, an agent of Occidental Life and friend of Ping Kien Lui, discussed two life insurance policies with Mr. Lui. One was a nonparticipating policy for $50,000 paid up at age 65 with cash value of $50,000 at that time. The other was a participating whole life policy for $50,000 paid up at age 95 with cash surrender value of $38,000 at age 65.
The application actually signed by Mr. Lui applied for the participating...
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