VAN VALKENBURGH, Circuit Judge.
April 1, 1906, the Travelers' Insurance Company, appellee, issued to one Harry K. Barnett a policy of accident insurance whereby it insured him "against bodily injuries, effected directly and independently of all other causes, through external, violent and accidental means (suicide whether sane or insane is not covered), as specified in the following schedule:
"Schedule of Indemnities.
"If any one of the following...
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