Order unanimously affirmed, with costs.
Memorandum:
While serving in the Army in October of 1978, plaintiff purchased a life insurance policy from defendant covering him, his wife, and later his infant daughter. The policy consists of five parts, four of which provide term insurance having no cash value. The fifth part is an annuity rider providing either a death benefit or, if plaintiff survives to age 65, retirement income. The annuity rider accumulates...
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