OPINION
DIMOND, Senior Justice.
Puritan Life Insurance Company, through its agent William Barnes, had solicited Eugene Guess to purchase an additional life insurance policy during the years 1974 and 1975. Barnes eventually was successful, and on March 10, 1975, Guess met with Barnes and agreed to purchase a $100,000 life insurance policy. Guess signed an application for the insurance and gave Barnes authority to pick up what Barnes referred to as a "deposit...
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