OPINION OF THE COURT
MEMORANDUM.
The order of the Appellate Division should be affirmed, with costs.
In 2002, plaintiff's husband—the decedent—purchased a life insurance policy from defendant William Penn Life Insurance Company of New York. The policy provides that "[t]he due date for the first premium is the Date of Issue," identified as January 14, 2002, and the due date for subsequent premiums is "the day after the end of the period...
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