MITROVICH, J.
Plaintiff, Steven C. Harris, applied for a whole life insurance policy, with a supplemental decreasing term benefit, from the defendant, Prudential Insurance Company of America, on July 13, 1977. The policy contained an accidental death and dismemberment benefit which provided in pertinent part:
"Upon receipt at the Home Office of due proof that accidental bodily injury occurring on or after the policy date has resulted, directly and independently...
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