BENHAM, Judge.
Appellee, Fireman's Fund American Life Insurance Company ("Fireman's Fund"), issued a group life insurance policy to Merchants & Employees Regional Insurance Trust ("Merit"), which, in turn, issued a policy on June 1, 1980, to Petz, a pet store owned by appellant and her decedent. Appellant's decedent was insured under the policy as an employee of Petz. Petz renewed its policy every three months by paying the required premium until September 1,...
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