CARLEY, Judge.
In June of 1983, appellant-plaintiff and her husband were issued a joint whole life insurance policy by appellee-defendant. The policy contained a "waiver of premium benefit" rider. Under the terms of this rider, appellee agreed to a waiver of premiums in the event that an insured suffered a "total disability." As defined in the rider, an insured's "total disability" consisted of his "[i]ncapacity to engage in any occupation for remuneration or profit...
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