SUMMERS, Justice.
Defendant American Benefit Life Insurance Company issued its policy insuring Calvin L. Martin, the plaintiff, "against loss ... resulting from bodily injuries effected solely, directly and independently of all other causes through EXTERNAL VIOLENT AND ACCIDENTAL MEANS, which ... shall not be caused wholly or in part, directly or indirectly by any disease, defect or infirmity...." The pertinent exception to coverage provided "This certificate does...
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