DEEN, Presiding Judge.
On July 1, 1981, Horace Mann Insurance Company issued a $100,000 one-year renewable and convertible term life insurance policy to Robert Lunsford. For the initial policy period monthly premium payments were made directly to the company through payroll deductions by Lunsford's employer, the Fannin County Board of Education. When Lunsford's employment ceased his method of payment was changed to a "check-o-matic" plan, whereby the payments due...
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