GARDNER, Circuit Judge.
This is an appeal from an order adjudging that the cash surrender value of two policies of life insurance was not an asset of the bankrupt estate of Othniel Miller, bankrupt, and ordering that said policies be delivered by the trustee in bankruptcy to Emma P. Miller, wife of the bankrupt.
The first policy was issued June 3, 1901, and by its terms was fully paid up in 1921, being a twenty-payment life policy. The second policy was issued...
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