SHORES, Justice.
The following facts were stipulated:
On September 24, 1970, Allstate issued a policy of life insurance insuring the life of Roy Lee Arthur Stephens. Ann Smith Stephens, wife of the insured, was named beneficiary. The policy had a face amount of $10,000, and the monthly premium was $17.40.
An initial payment of $34.80 was made by the insured at the time the application for the policy was completed. Thereafter the insured paid his premiums...
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