BOUTALL, Judge.
This is a suit by an insured against his insurer seeking the cash surrender value of a life insurance policy. The trial court awarded judgment to plaintiff in the amount of $1,454.62 which it determined to be the cash surrender value. The defendant insurer appealed and plaintiff has answered the appeal seeking a larger amount.
The facts are either stipulated by the parties or are uncontested, and we set them out as follows.
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