SIBLEY, Circuit Judge.
Ernest V. Hammond was discharged from the Army June 13, 1919, having in force a war risk insurance certificate. He converted it into a policy for a less amount, premiums on which, with one lapse and reinstatement, he has since kept paid. February 20, 1931, he elected to make claim under his original term insurance for total and permanent disability occurring as early as January 1, 1921, and on
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