GARRETT, Judge.
On March 1, 1984, appellee issued a joint whole life policy to appellant and her husband. She was twenty-five, he was thirty.
For the first two years, the appellee automatically deducted premiums from the insureds' joint checking account without incident. In May of 1986, a payment was returned for insufficient funds. On June 5, 1986, five days after expiration of the policy's thirty-one day grace period, the appellee wrote the husband informing...
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