MORRIS, Commissioner.
On May 11, 1946, appellee, then about 21 years of age, purchased a life insurance policy from appellant which contained the following disability provision:
"Subject to the conditions stated in this agreement the company will grant during permanent total disability of the insured (herein called `such disability') the following benefits:
"Commencing four months after date of commencement of such disability the Company will pay to...
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