BELL, Judge.
1. The defendant's contention is that the undisputed evidence showed that its liability was limited to the return of premiums paid because of the following clause in each insurance policy:
"Liability Limited: Unless specifically recited on the application for this Policy, if before the date hereof the Insured has been rejected for insurance by this or any other company, or has been a patient or an inmate of any institution for the treatment of...
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