PANNELL, Judge.
This is a claim by Jo Marie Marsh against the Zurich Insurance Company seeking recovery under a group medical policy. The case was submitted to the jury upon an agreed stipulation of fact as follows: "1. The parties stipulate the jurisdiction of the court. 2. The parties stipulate the terms and conditions of the insurance policy attached to plaintiff's petition and that Jo Marie Marsh duly filed her claim for the benefits as set forth in her complaint...
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