LACY, Justice.
Pursuant to our Rule 5:42, the United States Court of Appeals for the Fourth Circuit certified three questions of Virginia law to this Court regarding the enforceability of a life insurance policy. The questions involve the application of Va.Code §§ 38.2-302 and -319. We accepted the questions by order entered February 13, 1998.
The facts, as presented in the certification order, are as follows.
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