KIRKPATRICK, District Judge.
The plaintiff's position in this case is that the words, "the holder of this policy," and "the holder," in the nonforfeiture provisions of the policy, mean the beneficiary, or, as she is called in this policy, the annuitant; that inasmuch as the nonforfeiture provisions give certain options in case of default in the payment of premiums, if the right to such options were to be of any value, the beneficiary was entitled to receive notice...
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