PAULSON, Justice.
Monica R. Kasper ["Monica"] is the widow of Robert W. Kasper ["Kasper"], and is the beneficiary on several life insurance policies insuring against the accidental injury and death of Kasper. Shortly after Kasper's death, Monica made a claim for the accidental death benefits ("double indemnity") provided under the policies. The companies refused to pay and Monica brought suit in the Morton County District Court. The actions against the companies were...
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