id	sid	tid	token	lemma	pos
inlawrev-2352	1	1	indiana	indiana	PROPN
inlawrev-2352	1	2	law	law	PROPN
inlawrev-2352	1	3	review	review	VERB
inlawrev-2352	1	4	life	life	NOUN
inlawrev-2352	1	5	insurance	insurance	NOUN
inlawrev-2352	1	6	conditional	conditional	ADJ
inlawrev-2352	1	7	receipts	receipt	NOUN
inlawrev-2352	1	8	in	in	ADP
inlawrev-2352	1	9	indiana	indiana	PROPN
inlawrev-2352	1	10	i.	i.	PROPN
inlawrev-2352	1	11	introduction	introduction	NOUN
inlawrev-2352	1	12	during	during	ADP
inlawrev-2352	1	13	the	the	DET
inlawrev-2352	1	14	course	course	NOUN
inlawrev-2352	1	15	of	of	ADP
inlawrev-2352	1	16	the	the	DET
inlawrev-2352	1	17	sale	sale	NOUN
inlawrev-2352	1	18	of	of	ADP
inlawrev-2352	1	19	a	a	DET
inlawrev-2352	1	20	life	life	NOUN
inlawrev-2352	1	21	insurance	insurance	NOUN
inlawrev-2352	1	22	policy	policy	NOUN
inlawrev-2352	1	23	,	,	PUNCT
inlawrev-2352	1	24	the	the	DET
inlawrev-2352	1	25	applicant	applicant	NOUN
inlawrev-2352	1	26	,	,	PUNCT
inlawrev-2352	1	27	the	the	DET
inlawrev-2352	1	28	insurance	insurance	NOUN
inlawrev-2352	1	29	agent	agent	NOUN
inlawrev-2352	1	30	,	,	PUNCT
inlawrev-2352	1	31	and	and	CCONJ
inlawrev-2352	1	32	the	the	DET
inlawrev-2352	1	33	life	life	NOUN
inlawrev-2352	1	34	insurance	insurance	NOUN
inlawrev-2352	1	35	company	company	NOUN
inlawrev-2352	1	36	face	face	VERB
inlawrev-2352	1	37	an	an	DET
inlawrev-2352	1	38	initial	initial	ADJ
inlawrev-2352	1	39	period	period	NOUN
inlawrev-2352	1	40	of	of	ADP
inlawrev-2352	1	41	uncertainty	uncertainty	NOUN
inlawrev-2352	1	42	.	.	PUNCT
inlawrev-2352	2	1	once	once	SCONJ
inlawrev-2352	2	2	the	the	DET
inlawrev-2352	2	3	applicant	applicant	NOUN
inlawrev-2352	2	4	and	and	CCONJ
inlawrev-2352	2	5	agent	agent	NOUN
inlawrev-2352	2	6	agree	agree	VERB
inlawrev-2352	2	7	that	that	SCONJ
inlawrev-2352	2	8	the	the	DET
inlawrev-2352	2	9	applicant	applicant	NOUN
inlawrev-2352	2	10	should	should	AUX
inlawrev-2352	2	11	purchase	purchase	VERB
inlawrev-2352	2	12	a	a	DET
inlawrev-2352	2	13	policy	policy	NOUN
inlawrev-2352	2	14	,	,	PUNCT
inlawrev-2352	2	15	several	several	ADJ
inlawrev-2352	2	16	questions	question	NOUN
inlawrev-2352	2	17	arise	arise	VERB
inlawrev-2352	2	18	.	.	PUNCT
inlawrev-2352	3	1	will	will	AUX
inlawrev-2352	3	2	the	the	DET
inlawrev-2352	3	3	insurance	insurance	NOUN
inlawrev-2352	3	4	company	company	NOUN
inlawrev-2352	3	5	issue	issue	VERB
inlawrev-2352	3	6	the	the	DET
inlawrev-2352	3	7	policy	policy	NOUN
inlawrev-2352	3	8	or	or	CCONJ
inlawrev-2352	3	9	reject	reject	VERB
inlawrev-2352	3	10	the	the	DET
inlawrev-2352	3	11	application	application	NOUN
inlawrev-2352	3	12	?	?	PUNCT
inlawrev-2352	4	1	if	if	SCONJ
inlawrev-2352	4	2	the	the	DET
inlawrev-2352	4	3	policy	policy	NOUN
inlawrev-2352	4	4	is	be	AUX
inlawrev-2352	4	5	issued	issue	VERB
inlawrev-2352	4	6	,	,	PUNCT
inlawrev-2352	4	7	will	will	AUX
inlawrev-2352	4	8	it	it	PRON
inlawrev-2352	4	9	be	be	AUX
inlawrev-2352	4	10	issued	issue	VERB
inlawrev-2352	4	11	at	at	ADP
inlawrev-2352	4	12	standard	standard	ADJ
inlawrev-2352	4	13	rates	rate	NOUN
inlawrev-2352	4	14	or	or	CCONJ
inlawrev-2352	4	15	at	at	ADP
inlawrev-2352	4	16	a	a	DET
inlawrev-2352	4	17	higher	high	ADJ
inlawrev-2352	4	18	premium	premium	NOUN
inlawrev-2352	4	19	?	?	PUNCT
inlawrev-2352	5	1	how	how	SCONJ
inlawrev-2352	5	2	long	long	ADV
inlawrev-2352	5	3	will	will	AUX
inlawrev-2352	5	4	it	it	PRON
inlawrev-2352	5	5	take	take	VERB
inlawrev-2352	5	6	for	for	SCONJ
inlawrev-2352	5	7	the	the	DET
inlawrev-2352	5	8	company	company	NOUN
inlawrev-2352	5	9	to	to	PART
inlawrev-2352	5	10	make	make	VERB
inlawrev-2352	5	11	its	its	PRON
inlawrev-2352	5	12	decision	decision	NOUN
inlawrev-2352	5	13	?	?	PUNCT
inlawrev-2352	6	1	to	to	PART
inlawrev-2352	6	2	resolve	resolve	VERB
inlawrev-2352	6	3	some	some	PRON
inlawrev-2352	6	4	of	of	ADP
inlawrev-2352	6	5	this	this	DET
inlawrev-2352	6	6	uncertainty	uncertainty	NOUN
inlawrev-2352	6	7	,	,	PUNCT
inlawrev-2352	6	8	many	many	ADJ
inlawrev-2352	6	9	life	life	NOUN
inlawrev-2352	6	10	insurance	insurance	NOUN
inlawrev-2352	6	11	companies	company	NOUN
inlawrev-2352	6	12	authorize	authorize	VERB
inlawrev-2352	6	13	their	their	PRON
inlawrev-2352	6	14	agents	agent	NOUN
inlawrev-2352	6	15	to	to	PART
inlawrev-2352	6	16	collect	collect	VERB
inlawrev-2352	6	17	from	from	ADP
inlawrev-2352	6	18	the	the	DET
inlawrev-2352	6	19	applicant	applicant	NOUN
inlawrev-2352	6	20	a	a	DET
inlawrev-2352	6	21	sum	sum	NOUN
inlawrev-2352	6	22	equal	equal	ADJ
inlawrev-2352	6	23	to	to	ADP
inlawrev-2352	6	24	the	the	DET
inlawrev-2352	6	25	first	first	ADJ
inlawrev-2352	6	26	premium	premium	NOUN
inlawrev-2352	6	27	and	and	CCONJ
inlawrev-2352	6	28	to	to	PART
inlawrev-2352	6	29	deliver	deliver	VERB
inlawrev-2352	6	30	to	to	ADP
inlawrev-2352	6	31	him	he	PRON
inlawrev-2352	6	32	a	a	DET
inlawrev-2352	6	33	conditional	conditional	ADJ
inlawrev-2352	6	34	receipt.^	receipt.^	NOUN
inlawrev-2352	6	35	the	the	DET
inlawrev-2352	6	36	use	use	NOUN
inlawrev-2352	6	37	of	of	ADP
inlawrev-2352	6	38	conditional	conditional	ADJ
inlawrev-2352	6	39	receipts	receipt	NOUN
inlawrev-2352	6	40	removes	remove	VERB
inlawrev-2352	6	41	some	some	PRON
inlawrev-2352	6	42	of	of	ADP
inlawrev-2352	6	43	the	the	DET
inlawrev-2352	6	44	uncertainty	uncertainty	NOUN
inlawrev-2352	6	45	and	and	CCONJ
inlawrev-2352	6	46	confers	confer	NOUN
inlawrev-2352	6	47	some	some	DET
inlawrev-2352	6	48	benefits	benefit	NOUN
inlawrev-2352	6	49	on	on	ADP
inlawrev-2352	6	50	all	all	DET
inlawrev-2352	6	51	parties	party	NOUN
inlawrev-2352	6	52	to	to	ADP
inlawrev-2352	6	53	the	the	DET
inlawrev-2352	6	54	transaction	transaction	NOUN
inlawrev-2352	6	55	.	.	PUNCT
inlawrev-2352	7	1	the	the	DET
inlawrev-2352	7	2	applicant	applicant	NOUN
inlawrev-2352	7	3	receives	receive	VERB
inlawrev-2352	7	4	assurance	assurance	NOUN
inlawrev-2352	7	5	that	that	SCONJ
inlawrev-2352	7	6	the	the	DET
inlawrev-2352	7	7	company	company	NOUN
inlawrev-2352	7	8	will	will	AUX
inlawrev-2352	7	9	grant	grant	VERB
inlawrev-2352	7	10	immediate	immediate	ADJ
inlawrev-2352	7	11	coverage	coverage	NOUN
inlawrev-2352	7	12	,	,	PUNCT
inlawrev-2352	7	13	at	at	ADP
inlawrev-2352	7	14	least	least	ADJ
inlawrev-2352	7	15	on	on	ADP
inlawrev-2352	7	16	a	a	DET
inlawrev-2352	7	17	limited	limited	ADJ
inlawrev-2352	7	18	basis	basis	NOUN
inlawrev-2352	7	19	.	.	PUNCT
inlawrev-2352	8	1	the	the	DET
inlawrev-2352	8	2	agent	agent	NOUN
inlawrev-2352	8	3	receives	receive	VERB
inlawrev-2352	8	4	the	the	DET
inlawrev-2352	8	5	applicant	applicant	NOUN
inlawrev-2352	8	6	's	's	PART
inlawrev-2352	8	7	money	money	NOUN
inlawrev-2352	8	8	,	,	PUNCT
inlawrev-2352	8	9	from	from	ADP
inlawrev-2352	8	10	which	which	PRON
inlawrev-2352	8	11	the	the	DET
inlawrev-2352	8	12	agent	agent	NOUN
inlawrev-2352	8	13	's	's	PART
inlawrev-2352	8	14	commissions	commission	NOUN
inlawrev-2352	8	15	are	be	AUX
inlawrev-2352	8	16	ultimately	ultimately	ADV
inlawrev-2352	8	17	derived	derive	VERB
inlawrev-2352	8	18	,	,	PUNCT
inlawrev-2352	8	19	as	as	ADV
inlawrev-2352	8	20	well	well	ADV
inlawrev-2352	8	21	as	as	ADP
inlawrev-2352	8	22	the	the	DET
inlawrev-2352	8	23	psychological	psychological	ADJ
inlawrev-2352	8	24	advantage	advantage	NOUN
inlawrev-2352	8	25	that	that	PRON
inlawrev-2352	8	26	the	the	DET
inlawrev-2352	8	27	applicant	applicant	NOUN
inlawrev-2352	8	28	,	,	PUNCT
inlawrev-2352	8	29	having	having	AUX
inlawrev-2352	8	30	parted	part	VERB
inlawrev-2352	8	31	with	with	ADP
inlawrev-2352	8	32	his	his	PRON
inlawrev-2352	8	33	money	money	NOUN
inlawrev-2352	8	34	,	,	PUNCT
inlawrev-2352	8	35	is	be	AUX
inlawrev-2352	8	36	less	less	ADV
inlawrev-2352	8	37	likely	likely	ADJ
inlawrev-2352	8	38	to	to	PART
inlawrev-2352	8	39	rescind	rescind	VERB
inlawrev-2352	8	40	the	the	DET
inlawrev-2352	8	41	transaction	transaction	NOUN
inlawrev-2352	8	42	.	.	PUNCT
inlawrev-2352	9	1	the	the	DET
inlawrev-2352	9	2	company	company	NOUN
inlawrev-2352	9	3	obtains	obtain	VERB
inlawrev-2352	9	4	generally	generally	ADV
inlawrev-2352	9	5	the	the	DET
inlawrev-2352	9	6	same	same	ADJ
inlawrev-2352	9	7	advantage	advantage	NOUN
inlawrev-2352	9	8	as	as	ADP
inlawrev-2352	9	9	the	the	DET
inlawrev-2352	9	10	agent	agent	NOUN
inlawrev-2352	9	11	,	,	PUNCT
inlawrev-2352	9	12	but	but	CCONJ
inlawrev-2352	9	13	the	the	DET
inlawrev-2352	9	14	company	company	NOUN
inlawrev-2352	9	15	is	be	AUX
inlawrev-2352	9	16	also	also	ADV
inlawrev-2352	9	17	faced	face	VERB
inlawrev-2352	9	18	with	with	ADP
inlawrev-2352	9	19	the	the	DET
inlawrev-2352	9	20	possibility	possibility	NOUN
inlawrev-2352	9	21	that	that	SCONJ
inlawrev-2352	9	22	the	the	DET
inlawrev-2352	9	23	agent	agent	NOUN
inlawrev-2352	9	24	,	,	PUNCT
inlawrev-2352	9	25	either	either	CCONJ
inlawrev-2352	9	26	innocently	innocently	ADV
inlawrev-2352	9	27	or	or	CCONJ
inlawrev-2352	9	28	otherwise	otherwise	ADV
inlawrev-2352	9	29	,	,	PUNCT
inlawrev-2352	9	30	may	may	AUX
inlawrev-2352	9	31	have	have	AUX
inlawrev-2352	9	32	bound	bind	VERB
inlawrev-2352	9	33	the	the	DET
inlawrev-2352	9	34	company	company	NOUN
inlawrev-2352	9	35	on	on	ADP
inlawrev-2352	9	36	a	a	DET
inlawrev-2352	9	37	risk	risk	NOUN
inlawrev-2352	9	38	it	it	PRON
inlawrev-2352	9	39	would	would	AUX
inlawrev-2352	9	40	not	not	PART
inlawrev-2352	9	41	have	have	AUX
inlawrev-2352	9	42	wanted	want	VERB
inlawrev-2352	9	43	to	to	PART
inlawrev-2352	9	44	accept	accept	VERB
inlawrev-2352	9	45	.	.	PUNCT
inlawrev-2352	10	1	for	for	ADP
inlawrev-2352	10	2	this	this	DET
inlawrev-2352	10	3	reason	reason	NOUN
inlawrev-2352	10	4	,	,	PUNCT
inlawrev-2352	10	5	companies	company	NOUN
inlawrev-2352	10	6	usually	usually	ADV
inlawrev-2352	10	7	try	try	VERB
inlawrev-2352	10	8	to	to	PART
inlawrev-2352	10	9	word	word	VERB
inlawrev-2352	10	10	their	their	PRON
inlawrev-2352	10	11	conditional	conditional	ADJ
inlawrev-2352	10	12	receipts	receipt	NOUN
inlawrev-2352	10	13	so	so	SCONJ
inlawrev-2352	10	14	that	that	SCONJ
inlawrev-2352	10	15	the	the	DET
inlawrev-2352	10	16	coverage	coverage	NOUN
inlawrev-2352	10	17	granted	grant	VERB
inlawrev-2352	10	18	is	be	AUX
inlawrev-2352	10	19	sufficiently	sufficiently	ADV
inlawrev-2352	10	20	limited	limit	VERB
inlawrev-2352	10	21	to	to	PART
inlawrev-2352	10	22	enable	enable	VERB
inlawrev-2352	10	23	the	the	DET
inlawrev-2352	10	24	company	company	NOUN
inlawrev-2352	10	25	to	to	ADP
inlawrev-2352	10	26	*	*	DET
inlawrev-2352	10	27	a	a	DET
inlawrev-2352	10	28	conditional	conditional	ADJ
inlawrev-2352	10	29	receipt	receipt	NOUN
inlawrev-2352	10	30	is	be	AUX
inlawrev-2352	10	31	customarily	customarily	ADV
inlawrev-2352	10	32	a	a	DET
inlawrev-2352	10	33	separate	separate	ADJ
inlawrev-2352	10	34	and	and	CCONJ
inlawrev-2352	10	35	independent	independent	ADJ
inlawrev-2352	10	36	contract	contract	NOUN
inlawrev-2352	10	37	or	or	CCONJ
inlawrev-2352	10	38	agreement	agreement	NOUN
inlawrev-2352	10	39	entered	enter	VERB
inlawrev-2352	10	40	into	into	ADP
inlawrev-2352	10	41	between	between	ADP
inlawrev-2352	10	42	the	the	DET
inlawrev-2352	10	43	company	company	NOUN
inlawrev-2352	10	44	and	and	CCONJ
inlawrev-2352	10	45	the	the	DET
inlawrev-2352	10	46	applicant	applicant	NOUN
inlawrev-2352	10	47	for	for	ADP
inlawrev-2352	10	48	insurance	insurance	NOUN
inlawrev-2352	10	49	under	under	ADP
inlawrev-2352	10	50	the	the	DET
inlawrev-2352	10	51	terms	term	NOUN
inlawrev-2352	10	52	and	and	CCONJ
inlawrev-2352	10	53	provisions	provision	NOUN
inlawrev-2352	10	54	of	of	ADP
inlawrev-2352	10	55	which	which	PRON
inlawrev-2352	10	56	,	,	PUNCT
inlawrev-2352	10	57	upon	upon	SCONJ
inlawrev-2352	10	58	stated	state	VERB
inlawrev-2352	10	59	conditions	condition	NOUN
inlawrev-2352	10	60	,	,	PUNCT
inlawrev-2352	10	61	one	one	NUM
inlawrev-2352	10	62	of	of	ADP
inlawrev-2352	10	63	which	which	PRON
inlawrev-2352	10	64	is	be	AUX
inlawrev-2352	10	65	that	that	SCONJ
inlawrev-2352	10	66	the	the	DET
inlawrev-2352	10	67	applicant	applicant	NOUN
inlawrev-2352	10	68	has	have	AUX
inlawrev-2352	10	69	paid	pay	VERB
inlawrev-2352	10	70	a	a	DET
inlawrev-2352	10	71	certain	certain	ADJ
inlawrev-2352	10	72	portion	portion	NOUN
inlawrev-2352	10	73	of	of	ADP
inlawrev-2352	10	74	his	his	PRON
inlawrev-2352	10	75	premium	premium	NOUN
inlawrev-2352	10	76	upon	upon	SCONJ
inlawrev-2352	10	77	making	make	VERB
inlawrev-2352	10	78	the	the	DET
inlawrev-2352	10	79	application	application	NOUN
inlawrev-2352	10	80	,	,	PUNCT
inlawrev-2352	10	81	the	the	DET
inlawrev-2352	10	82	coverage	coverage	NOUN
inlawrev-2352	10	83	applied	apply	VERB
inlawrev-2352	10	84	for	for	ADP
inlawrev-2352	10	85	is	be	AUX
inlawrev-2352	10	86	deemed	deem	VERB
inlawrev-2352	10	87	to	to	PART
inlawrev-2352	10	88	be	be	AUX
inlawrev-2352	10	89	in	in	ADP
inlawrev-2352	10	90	force	force	NOUN
inlawrev-2352	10	91	as	as	ADP
inlawrev-2352	10	92	of	of	ADP
inlawrev-2352	10	93	the	the	DET
inlawrev-2352	10	94	time	time	NOUN
inlawrev-2352	10	95	of	of	ADP
inlawrev-2352	10	96	completion	completion	NOUN
inlawrev-2352	10	97	of	of	ADP
inlawrev-2352	10	98	the	the	DET
inlawrev-2352	10	99	application	application	NOUN
inlawrev-2352	10	100	(	(	PUNCT
inlawrev-2352	10	101	and	and	CCONJ
inlawrev-2352	10	102	where	where	SCONJ
inlawrev-2352	10	103	a	a	DET
inlawrev-2352	10	104	medical	medical	ADJ
inlawrev-2352	10	105	examination	examination	NOUN
inlawrev-2352	10	106	is	be	AUX
inlawrev-2352	10	107	required	require	VERB
inlawrev-2352	10	108	,	,	PUNCT
inlawrev-2352	10	109	after	after	ADP
inlawrev-2352	10	110	signing	sign	VERB
inlawrev-2352	10	111	of	of	ADP
inlawrev-2352	10	112	the	the	DET
inlawrev-2352	10	113	medical	medical	ADJ
inlawrev-2352	10	114	part	part	NOUN
inlawrev-2352	10	115	of	of	ADP
inlawrev-2352	10	116	the	the	DET
inlawrev-2352	10	117	application	application	NOUN
inlawrev-2352	10	118	)	)	PUNCT
inlawrev-2352	10	119	,	,	PUNCT
inlawrev-2352	10	120	rather	rather	ADV
inlawrev-2352	10	121	than	than	ADP
inlawrev-2352	10	122	as	as	ADP
inlawrev-2352	10	123	of	of	ADP
inlawrev-2352	10	124	the	the	DET
inlawrev-2352	10	125	time	time	NOUN
inlawrev-2352	10	126	the	the	DET
inlawrev-2352	10	127	policy	policy	NOUN
inlawrev-2352	10	128	is	be	AUX
inlawrev-2352	10	129	issued	issue	VERB
inlawrev-2352	10	130	or	or	CCONJ
inlawrev-2352	10	131	delivered	deliver	VERB
inlawrev-2352	10	132	.	.	PUNCT
inlawrev-2352	11	1	usually	usually	ADV
inlawrev-2352	11	2	this	this	DET
inlawrev-2352	11	3	agreement	agreement	NOUN
inlawrev-2352	11	4	is	be	AUX
inlawrev-2352	11	5	printed	print	VERB
inlawrev-2352	11	6	on	on	ADP
inlawrev-2352	11	7	the	the	DET
inlawrev-2352	11	8	application	application	NOUN
inlawrev-2352	11	9	itself	itself	PRON
inlawrev-2352	11	10	and	and	CCONJ
inlawrev-2352	11	11	is	be	AUX
inlawrev-2352	11	12	printed	print	VERB
inlawrev-2352	11	13	on	on	ADP
inlawrev-2352	11	14	the	the	DET
inlawrev-2352	11	15	receipt	receipt	NOUN
inlawrev-2352	11	16	that	that	SCONJ
inlawrev-2352	11	17	the	the	DET
inlawrev-2352	11	18	soliciting	solicit	VERB
inlawrev-2352	11	19	agent	agent	NOUN
inlawrev-2352	11	20	delivers	deliver	VERB
inlawrev-2352	11	21	to	to	ADP
inlawrev-2352	11	22	the	the	DET
inlawrev-2352	11	23	applicant	applicant	NOUN
inlawrev-2352	11	24	when	when	SCONJ
inlawrev-2352	11	25	the	the	DET
inlawrev-2352	11	26	premium	premium	NOUN
inlawrev-2352	11	27	,	,	PUNCT
inlawrev-2352	11	28	or	or	CCONJ
inlawrev-2352	11	29	a	a	DET
inlawrev-2352	11	30	portion	portion	NOUN
inlawrev-2352	11	31	thereof	thereof	ADV
inlawrev-2352	11	32	,	,	PUNCT
inlawrev-2352	11	33	is	be	AUX
inlawrev-2352	11	34	paid	pay	VERB
inlawrev-2352	11	35	.	.	PUNCT
inlawrev-2352	12	1	crowe	crowe	PROPN
inlawrev-2352	12	2	,	,	PUNCT
inlawrev-2352	12	3	conditional	conditional	ADJ
inlawrev-2352	12	4	receipts	receipt	NOUN
inlawrev-2352	12	5	—	—	PUNCT
inlawrev-2352	12	6	life	life	NOUN
inlawrev-2352	12	7	,	,	PUNCT
inlawrev-2352	12	8	accident	accident	NOUN
inlawrev-2352	12	9	,	,	PUNCT
inlawrev-2352	12	10	and	and	CCONJ
inlawrev-2352	12	11	health	health	NOUN
inlawrev-2352	12	12	insurance	insurance	NOUN
inlawrev-2352	12	13	,	,	PUNCT
inlawrev-2352	12	14	in	in	ADP
inlawrev-2352	12	15	aba	aba	PROPN
inlawrev-2352	12	16	insurance	insurance	NOUN
inlawrev-2352	12	17	,	,	PUNCT
inlawrev-2352	12	18	negligence	negligence	NOUN
inlawrev-2352	12	19	&	&	CCONJ
inlawrev-2352	12	20	compensation	compensation	PROPN
inlawrev-2352	12	21	law	law	NOUN
inlawrev-2352	12	22	section	section	NOUN
inlawrev-2352	12	23	52	52	NUM
inlawrev-2352	12	24	,	,	PUNCT
inlawrev-2352	12	25	53	53	NUM
inlawrev-2352	12	26	(	(	PUNCT
inlawrev-2352	12	27	1965	1965	NUM
inlawrev-2352	12	28	)	)	PUNCT
inlawrev-2352	12	29	.	.	PUNCT
inlawrev-2352	13	1	see	see	VERB
inlawrev-2352	13	2	also	also	ADV
inlawrev-2352	13	3	fortunato	fortunato	PROPN
inlawrev-2352	13	4	,	,	PUNCT
inlawrev-2352	13	5	conditional	conditional	ADJ
inlawrev-2352	13	6	receipts	receipt	NOUN
inlawrev-2352	13	7	:	:	PUNCT
inlawrev-2352	13	8	should	should	AUX
inlawrev-2352	13	9	the	the	DET
inlawrev-2352	13	10	uninsurable	uninsurable	ADJ
inlawrev-2352	13	11	have	have	VERB
inlawrev-2352	13	12	insurance	insurance	NOUN
inlawrev-2352	13	13	?	?	PUNCT
inlawrev-2352	13	14	,	,	PUNCT
inlawrev-2352	13	15	forum	forum	PROPN
inlawrev-2352	13	16	,	,	PUNCT
inlawrev-2352	13	17	april	april	PROPN
inlawrev-2352	13	18	1966	1966	NUM
inlawrev-2352	13	19	,	,	PUNCT
inlawrev-2352	13	20	at	at	ADP
inlawrev-2352	13	21	5	5	NUM
inlawrev-2352	13	22	.	.	PUNCT
inlawrev-2352	14	1	777	777	NUM
inlawrev-2352	14	2	778	778	NUM
inlawrev-2352	14	3	indiana	indiana	PROPN
inlawrev-2352	14	4	la	la	PROPN
inlawrev-2352	14	5	w	w	PROPN
inlawrev-2352	14	6	review	review	PROPN
inlawrev-2352	14	7	[	[	X
inlawrev-2352	14	8	vol	vol	NOUN
inlawrev-2352	14	9	.	.	PUNCT
inlawrev-2352	14	10	12:777	12:777	NUM
inlawrev-2352	14	11	rescind	rescind	VERB
inlawrev-2352	14	12	the	the	DET
inlawrev-2352	14	13	transaction	transaction	NOUN
inlawrev-2352	14	14	if	if	SCONJ
inlawrev-2352	14	15	it	it	PRON
inlawrev-2352	14	16	determines	determine	VERB
inlawrev-2352	14	17	that	that	SCONJ
inlawrev-2352	14	18	the	the	DET
inlawrev-2352	14	19	applicant	applicant	NOUN
inlawrev-2352	14	20	is	be	AUX
inlawrev-2352	14	21	an	an	DET
inlawrev-2352	14	22	unacceptable	unacceptable	ADJ
inlawrev-2352	14	23	risk.^	risk.^	NOUN
inlawrev-2352	14	24	courts	court	NOUN
inlawrev-2352	14	25	applying	apply	VERB
inlawrev-2352	14	26	indiana	indiana	PROPN
inlawrev-2352	14	27	law	law	NOUN
inlawrev-2352	14	28	have	have	AUX
inlawrev-2352	14	29	only	only	ADV
inlawrev-2352	14	30	recently	recently	ADV
inlawrev-2352	14	31	confronted	confront	VERB
inlawrev-2352	14	32	the	the	DET
inlawrev-2352	14	33	question	question	NOUN
inlawrev-2352	14	34	of	of	ADP
inlawrev-2352	14	35	how	how	SCONJ
inlawrev-2352	14	36	limited	limited	ADJ
inlawrev-2352	14	37	the	the	DET
inlawrev-2352	14	38	coverage	coverage	NOUN
inlawrev-2352	14	39	provided	provide	VERB
inlawrev-2352	14	40	by	by	ADP
inlawrev-2352	14	41	conditional	conditional	ADJ
inlawrev-2352	14	42	receipts	receipt	NOUN
inlawrev-2352	14	43	may	may	AUX
inlawrev-2352	14	44	be	be	AUX
inlawrev-2352	14	45	.	.	PUNCT
inlawrev-2352	15	1	in	in	ADP
inlawrev-2352	15	2	1976	1976	NUM
inlawrev-2352	15	3	,	,	PUNCT
inlawrev-2352	15	4	the	the	DET
inlawrev-2352	15	5	indiana	indiana	PROPN
inlawrev-2352	15	6	court	court	PROPN
inlawrev-2352	15	7	of	of	ADP
inlawrev-2352	15	8	appeals	appeals	PROPN
inlawrev-2352	15	9	decided	decide	VERB
inlawrev-2352	15	10	kaiser	kaiser	PROPN
inlawrev-2352	15	11	v.	v.	ADP
inlawrev-2352	15	12	national	national	PROPN
inlawrev-2352	15	13	farmers	farmers	PROPN
inlawrev-2352	15	14	union	union	PROPN
inlawrev-2352	15	15	life	life	NOUN
inlawrev-2352	15	16	insurance	insurance	NOUN
inlawrev-2352	15	17	co.^	co.^	PROPN
inlawrev-2352	15	18	and	and	CCONJ
inlawrev-2352	15	19	monumental	monumental	ADJ
inlawrev-2352	15	20	life	life	NOUN
inlawrev-2352	15	21	insurance	insurance	PROPN
inlawrev-2352	15	22	co.	co.	PROPN
inlawrev-2352	16	1	v.	v.	ADP
inlawrev-2352	16	2	hakey,^	hakey,^	PROPN
inlawrev-2352	16	3	and	and	CCONJ
inlawrev-2352	16	4	in	in	ADP
inlawrev-2352	16	5	1978	1978	NUM
inlawrev-2352	16	6	,	,	PUNCT
inlawrev-2352	16	7	a	a	DET
inlawrev-2352	16	8	federal	federal	ADJ
inlawrev-2352	16	9	district	district	NOUN
inlawrev-2352	16	10	court	court	NOUN
inlawrev-2352	16	11	decided	decide	VERB
inlawrev-2352	16	12	meding	mede	VERB
inlawrev-2352	16	13	v.	v.	ADP
inlawrev-2352	16	14	prudential	prudential	PROPN
inlawrev-2352	16	15	insurance	insurance	PROPN
inlawrev-2352	16	16	co.	co.	PROPN
inlawrev-2352	16	17	of	of	ADP
inlawrev-2352	16	18	america.^	america.^	PROPN
inlawrev-2352	16	19	these	these	DET
inlawrev-2352	16	20	cases	case	NOUN
inlawrev-2352	16	21	may	may	AUX
inlawrev-2352	16	22	suggest	suggest	VERB
inlawrev-2352	16	23	an	an	DET
inlawrev-2352	16	24	erroneous	erroneous	ADJ
inlawrev-2352	16	25	trend	trend	NOUN
inlawrev-2352	16	26	in	in	ADP
inlawrev-2352	16	27	indiana	indiana	PROPN
inlawrev-2352	16	28	law	law	PROPN
inlawrev-2352	16	29	.	.	PUNCT
inlawrev-2352	17	1	ii	ii	PROPN
inlawrev-2352	17	2	.	.	PUNCT
inlawrev-2352	18	1	kaiser	kaiser	PROPN
inlawrev-2352	18	2	and	and	CCONJ
inlawrev-2352	18	3	its	its	PRON
inlawrev-2352	18	4	antecedents	antecedent	NOUN
inlawrev-2352	18	5	the	the	DET
inlawrev-2352	18	6	facts	fact	NOUN
inlawrev-2352	18	7	in	in	ADP
inlawrev-2352	18	8	kaiser	kaiser	PROPN
inlawrev-2352	18	9	describe	describe	VERB
inlawrev-2352	18	10	the	the	DET
inlawrev-2352	18	11	beginning	beginning	NOUN
inlawrev-2352	18	12	of	of	ADP
inlawrev-2352	18	13	a	a	DET
inlawrev-2352	18	14	typical	typical	ADJ
inlawrev-2352	18	15	life	life	NOUN
inlawrev-2352	18	16	insurance	insurance	NOUN
inlawrev-2352	18	17	transaction	transaction	NOUN
inlawrev-2352	18	18	.	.	PUNCT
inlawrev-2352	19	1	thomas	thomas	PROPN
inlawrev-2352	19	2	kaiser	kaiser	PROPN
inlawrev-2352	19	3	had	have	AUX
inlawrev-2352	19	4	applied	apply	VERB
inlawrev-2352	19	5	for	for	ADP
inlawrev-2352	19	6	a	a	DET
inlawrev-2352	19	7	term	term	NOUN
inlawrev-2352	19	8	life	life	NOUN
inlawrev-2352	19	9	insurance	insurance	NOUN
inlawrev-2352	19	10	policy	policy	NOUN
inlawrev-2352	19	11	on	on	ADP
inlawrev-2352	19	12	may	may	PROPN
inlawrev-2352	19	13	17	17	NUM
inlawrev-2352	19	14	,	,	PUNCT
inlawrev-2352	19	15	1969	1969	NUM
inlawrev-2352	19	16	.	.	PUNCT
inlawrev-2352	20	1	at	at	ADP
inlawrev-2352	20	2	the	the	DET
inlawrev-2352	20	3	time	time	NOUN
inlawrev-2352	20	4	the	the	DET
inlawrev-2352	20	5	application	application	NOUN
inlawrev-2352	20	6	was	be	AUX
inlawrev-2352	20	7	made	make	VERB
inlawrev-2352	20	8	.	.	PUNCT
inlawrev-2352	21	1	kaiser	kaiser	PROPN
inlawrev-2352	21	2	had	have	AUX
inlawrev-2352	21	3	paid	pay	VERB
inlawrev-2352	21	4	the	the	DET
inlawrev-2352	21	5	first	first	ADJ
inlawrev-2352	21	6	quarterly	quarterly	ADJ
inlawrev-2352	21	7	premium	premium	NOUN
inlawrev-2352	21	8	and	and	CCONJ
inlawrev-2352	21	9	received	receive	VERB
inlawrev-2352	21	10	a	a	DET
inlawrev-2352	21	11	conditional	conditional	ADJ
inlawrev-2352	21	12	receipt	receipt	NOUN
inlawrev-2352	21	13	from	from	ADP
inlawrev-2352	21	14	the	the	DET
inlawrev-2352	21	15	agent	agent	NOUN
inlawrev-2352	21	16	;	;	PUNCT
inlawrev-2352	21	17	however	however	ADV
inlawrev-2352	21	18	,	,	PUNCT
inlawrev-2352	21	19	on	on	ADP
inlawrev-2352	21	20	june	june	PROPN
inlawrev-2352	21	21	30	30	NUM
inlawrev-2352	21	22	,	,	PUNCT
inlawrev-2352	21	23	this	this	DET
inlawrev-2352	21	24	original	original	ADJ
inlawrev-2352	21	25	application	application	NOUN
inlawrev-2352	21	26	was	be	AUX
inlawrev-2352	21	27	supplanted	supplant	VERB
inlawrev-2352	21	28	by	by	ADP
inlawrev-2352	21	29	another	another	DET
inlawrev-2352	21	30	application	application	NOUN
inlawrev-2352	21	31	for	for	ADP
inlawrev-2352	21	32	whole	whole	ADJ
inlawrev-2352	21	33	life	life	NOUN
inlawrev-2352	21	34	insurance	insurance	NOUN
inlawrev-2352	21	35	.	.	PUNCT
inlawrev-2352	22	1	*	*	PUNCT
inlawrev-2352	22	2	kaiser	kaiser	PROPN
inlawrev-2352	22	3	had	have	AUX
inlawrev-2352	22	4	tendered	tender	VERB
inlawrev-2352	22	5	an	an	DET
inlawrev-2352	22	6	additional	additional	ADJ
inlawrev-2352	22	7	premium	premium	NOUN
inlawrev-2352	22	8	with	with	ADP
inlawrev-2352	22	9	this	this	DET
inlawrev-2352	22	10	new	new	ADJ
inlawrev-2352	22	11	application	application	NOUN
inlawrev-2352	22	12	so	so	SCONJ
inlawrev-2352	22	13	that	that	SCONJ
inlawrev-2352	22	14	the	the	DET
inlawrev-2352	22	15	two	two	NUM
inlawrev-2352	22	16	payments	payment	NOUN
inlawrev-2352	22	17	equalled	equal	VERB
inlawrev-2352	22	18	the	the	DET
inlawrev-2352	22	19	amount	amount	NOUN
inlawrev-2352	22	20	of	of	ADP
inlawrev-2352	22	21	the	the	DET
inlawrev-2352	22	22	quarterly	quarterly	ADJ
inlawrev-2352	22	23	premium	premium	NOUN
inlawrev-2352	22	24	for	for	ADP
inlawrev-2352	22	25	a	a	DET
inlawrev-2352	22	26	whole	whole	ADJ
inlawrev-2352	22	27	life	life	NOUN
inlawrev-2352	22	28	policy	policy	NOUN
inlawrev-2352	22	29	.	.	PUNCT
inlawrev-2352	23	1	kaiser	kaiser	PROPN
inlawrev-2352	23	2	had	have	AUX
inlawrev-2352	23	3	taken	take	VERB
inlawrev-2352	23	4	the	the	DET
inlawrev-2352	23	5	required	require	VERB
inlawrev-2352	23	6	medical	medical	ADJ
inlawrev-2352	23	7	examination	examination	NOUN
inlawrev-2352	23	8	on	on	ADP
inlawrev-2352	23	9	july	july	PROPN
inlawrev-2352	23	10	11	11	NUM
inlawrev-2352	23	11	,	,	PUNCT
inlawrev-2352	23	12	and	and	CCONJ
inlawrev-2352	23	13	the	the	DET
inlawrev-2352	23	14	company	company	NOUN
inlawrev-2352	23	15	had	have	AUX
inlawrev-2352	23	16	received	receive	VERB
inlawrev-2352	23	17	the	the	DET
inlawrev-2352	23	18	medical	medical	ADJ
inlawrev-2352	23	19	examination	examination	NOUN
inlawrev-2352	23	20	report	report	NOUN
inlawrev-2352	23	21	on	on	ADP
inlawrev-2352	23	22	july	july	PROPN
inlawrev-2352	23	23	14	14	NUM
inlawrev-2352	23	24	.	.	PUNCT
inlawrev-2352	24	1	on	on	ADP
inlawrev-2352	24	2	july	july	PROPN
inlawrev-2352	24	3	20	20	NUM
inlawrev-2352	24	4	,	,	PUNCT
inlawrev-2352	24	5	kaiser	kaiser	PROPN
inlawrev-2352	24	6	died	die	VERB
inlawrev-2352	24	7	in	in	ADP
inlawrev-2352	24	8	an	an	DET
inlawrev-2352	24	9	automobile	automobile	NOUN
inlawrev-2352	24	10	accident	accident	NOUN
inlawrev-2352	24	11	.	.	PUNCT
inlawrev-2352	25	1	at	at	ADP
inlawrev-2352	25	2	the	the	DET
inlawrev-2352	25	3	time	time	NOUN
inlawrev-2352	25	4	of	of	ADP
inlawrev-2352	25	5	kaiser	kaiser	NOUN
inlawrev-2352	25	6	's	's	PART
inlawrev-2352	25	7	death	death	NOUN
inlawrev-2352	25	8	^the	^the	DET
inlawrev-2352	25	9	advantages	advantage	NOUN
inlawrev-2352	25	10	of	of	ADP
inlawrev-2352	25	11	the	the	DET
inlawrev-2352	25	12	use	use	NOUN
inlawrev-2352	25	13	of	of	ADP
inlawrev-2352	25	14	conditional	conditional	ADJ
inlawrev-2352	25	15	receipts	receipt	NOUN
inlawrev-2352	25	16	are	be	AUX
inlawrev-2352	25	17	enumerated	enumerate	VERB
inlawrev-2352	25	18	in	in	ADP
inlawrev-2352	25	19	crowe	crowe	PROPN
inlawrev-2352	25	20	's	's	PART
inlawrev-2352	25	21	article	article	NOUN
inlawrev-2352	25	22	:	:	PUNCT
inlawrev-2352	25	23	(	(	PUNCT
inlawrev-2352	25	24	1	1	X
inlawrev-2352	25	25	)	)	PUNCT
inlawrev-2352	25	26	[	[	X
inlawrev-2352	25	27	the	the	DET
inlawrev-2352	25	28	applicant	applicant	NOUN
inlawrev-2352	25	29	]	]	X
inlawrev-2352	25	30	may	may	AUX
inlawrev-2352	25	31	eliminate	eliminate	VERB
inlawrev-2352	25	32	the	the	DET
inlawrev-2352	25	33	possibility	possibility	NOUN
inlawrev-2352	25	34	that	that	SCONJ
inlawrev-2352	25	35	he	he	PRON
inlawrev-2352	25	36	will	will	AUX
inlawrev-2352	25	37	become	become	VERB
inlawrev-2352	25	38	disqualified	disqualify	VERB
inlawrev-2352	25	39	for	for	ADP
inlawrev-2352	25	40	the	the	DET
inlawrev-2352	25	41	insurance	insurance	NOUN
inlawrev-2352	25	42	after	after	ADP
inlawrev-2352	25	43	the	the	DET
inlawrev-2352	25	44	time	time	NOUN
inlawrev-2352	25	45	the	the	DET
inlawrev-2352	25	46	application	application	NOUN
inlawrev-2352	25	47	is	be	AUX
inlawrev-2352	25	48	completed	complete	VERB
inlawrev-2352	25	49	and	and	CCONJ
inlawrev-2352	25	50	before	before	SCONJ
inlawrev-2352	25	51	the	the	DET
inlawrev-2352	25	52	policy	policy	NOUN
inlawrev-2352	25	53	is	be	AUX
inlawrev-2352	25	54	issued	issue	VERB
inlawrev-2352	25	55	or	or	CCONJ
inlawrev-2352	25	56	delivered	deliver	VERB
inlawrev-2352	25	57	;	;	PUNCT
inlawrev-2352	25	58	and	and	CCONJ
inlawrev-2352	25	59	(	(	PUNCT
inlawrev-2352	25	60	2	2	X
inlawrev-2352	25	61	)	)	PUNCT
inlawrev-2352	25	62	if	if	SCONJ
inlawrev-2352	25	63	he	he	PRON
inlawrev-2352	25	64	qualifies	qualify	VERB
inlawrev-2352	25	65	for	for	ADP
inlawrev-2352	25	66	the	the	DET
inlawrev-2352	25	67	insurance	insurance	NOUN
inlawrev-2352	25	68	applied	apply	VERB
inlawrev-2352	25	69	for	for	ADP
inlawrev-2352	25	70	,	,	PUNCT
inlawrev-2352	25	71	and	and	CCONJ
inlawrev-2352	25	72	is	be	AUX
inlawrev-2352	25	73	insurable	insurable	ADJ
inlawrev-2352	25	74	,	,	PUNCT
inlawrev-2352	25	75	he	he	PRON
inlawrev-2352	25	76	has	have	VERB
inlawrev-2352	25	77	coverage	coverage	NOUN
inlawrev-2352	25	78	from	from	ADP
inlawrev-2352	25	79	the	the	DET
inlawrev-2352	25	80	time	time	NOUN
inlawrev-2352	25	81	the	the	DET
inlawrev-2352	25	82	application	application	NOUN
inlawrev-2352	25	83	is	be	AUX
inlawrev-2352	25	84	completed	complete	VERB
inlawrev-2352	25	85	and	and	CCONJ
inlawrev-2352	25	86	the	the	DET
inlawrev-2352	25	87	premium	premium	NOUN
inlawrev-2352	25	88	paid	pay	VERB
inlawrev-2352	25	89	,	,	PUNCT
inlawrev-2352	25	90	and	and	CCONJ
inlawrev-2352	25	91	can	can	AUX
inlawrev-2352	25	92	eliminate	eliminate	VERB
inlawrev-2352	25	93	the	the	DET
inlawrev-2352	25	94	risk	risk	NOUN
inlawrev-2352	25	95	to	to	ADP
inlawrev-2352	25	96	himself	himself	PRON
inlawrev-2352	25	97	of	of	ADP
inlawrev-2352	25	98	being	be	AUX
inlawrev-2352	25	99	without	without	ADP
inlawrev-2352	25	100	insurance	insurance	NOUN
inlawrev-2352	25	101	during	during	ADP
inlawrev-2352	25	102	the	the	DET
inlawrev-2352	25	103	period	period	NOUN
inlawrev-2352	25	104	of	of	ADP
inlawrev-2352	25	105	time	time	NOUN
inlawrev-2352	25	106	from	from	ADP
inlawrev-2352	25	107	completion	completion	NOUN
inlawrev-2352	25	108	of	of	ADP
inlawrev-2352	25	109	[	[	X
inlawrev-2352	25	110	the	the	DET
inlawrev-2352	25	111	]	]	X
inlawrev-2352	25	112	application	application	NOUN
inlawrev-2352	25	113	to	to	ADP
inlawrev-2352	25	114	issuance	issuance	NOUN
inlawrev-2352	25	115	or	or	CCONJ
inlawrev-2352	25	116	delivery	delivery	NOUN
inlawrev-2352	25	117	of	of	ADP
inlawrev-2352	25	118	[	[	X
inlawrev-2352	25	119	the	the	DET
inlawrev-2352	25	120	]	]	X
inlawrev-2352	25	121	policy	policy	NOUN
inlawrev-2352	25	122	.	.	PUNCT
inlawrev-2352	26	1	the	the	DET
inlawrev-2352	26	2	benefits	benefit	NOUN
inlawrev-2352	26	3	to	to	ADP
inlawrev-2352	26	4	the	the	DET
inlawrev-2352	26	5	companies	company	NOUN
inlawrev-2352	26	6	are	be	AUX
inlawrev-2352	26	7	:	:	PUNCT
inlawrev-2352	26	8	(	(	PUNCT
inlawrev-2352	26	9	1	1	X
inlawrev-2352	26	10	)	)	PUNCT
inlawrev-2352	26	11	collection	collection	NOUN
inlawrev-2352	26	12	of	of	ADP
inlawrev-2352	26	13	the	the	DET
inlawrev-2352	26	14	premium	premium	NOUN
inlawrev-2352	26	15	eliminates	eliminate	VERB
inlawrev-2352	26	16	the	the	DET
inlawrev-2352	26	17	loss	loss	NOUN
inlawrev-2352	26	18	which	which	PRON
inlawrev-2352	26	19	would	would	AUX
inlawrev-2352	26	20	otherwise	otherwise	ADV
inlawrev-2352	26	21	result	result	VERB
inlawrev-2352	26	22	from	from	ADP
inlawrev-2352	26	23	the	the	DET
inlawrev-2352	26	24	expense	expense	NOUN
inlawrev-2352	26	25	of	of	ADP
inlawrev-2352	26	26	solicitation	solicitation	NOUN
inlawrev-2352	26	27	,	,	PUNCT
inlawrev-2352	26	28	underwriting	underwriting	NOUN
inlawrev-2352	26	29	,	,	PUNCT
inlawrev-2352	26	30	and	and	CCONJ
inlawrev-2352	26	31	issuing	issue	VERB
inlawrev-2352	26	32	the	the	DET
inlawrev-2352	26	33	policy	policy	NOUN
inlawrev-2352	26	34	where	where	SCONJ
inlawrev-2352	26	35	the	the	DET
inlawrev-2352	26	36	premium	premium	NOUN
inlawrev-2352	26	37	is	be	AUX
inlawrev-2352	26	38	not	not	PART
inlawrev-2352	26	39	collected	collect	VERB
inlawrev-2352	26	40	and	and	CCONJ
inlawrev-2352	26	41	the	the	DET
inlawrev-2352	26	42	policy	policy	NOUN
inlawrev-2352	26	43	is	be	AUX
inlawrev-2352	26	44	not	not	PART
inlawrev-2352	26	45	taken	take	VERB
inlawrev-2352	26	46	;	;	PUNCT
inlawrev-2352	26	47	and	and	CCONJ
inlawrev-2352	26	48	(	(	PUNCT
inlawrev-2352	26	49	2	2	X
inlawrev-2352	26	50	)	)	PUNCT
inlawrev-2352	26	51	there	there	PRON
inlawrev-2352	26	52	is	be	VERB
inlawrev-2352	26	53	a	a	DET
inlawrev-2352	26	54	sales	sale	NOUN
inlawrev-2352	26	55	advantage	advantage	NOUN
inlawrev-2352	26	56	in	in	ADP
inlawrev-2352	26	57	the	the	DET
inlawrev-2352	26	58	agent	agent	NOUN
inlawrev-2352	26	59	's	's	PART
inlawrev-2352	26	60	ability	ability	NOUN
inlawrev-2352	26	61	to	to	PART
inlawrev-2352	26	62	include	include	VERB
inlawrev-2352	26	63	the	the	DET
inlawrev-2352	26	64	conditional	conditional	ADJ
inlawrev-2352	26	65	coverage	coverage	NOUN
inlawrev-2352	26	66	benefit	benefit	NOUN
inlawrev-2352	26	67	in	in	ADP
inlawrev-2352	26	68	making	make	VERB
inlawrev-2352	26	69	his	his	PRON
inlawrev-2352	26	70	sales	sale	NOUN
inlawrev-2352	26	71	presentation	presentation	NOUN
inlawrev-2352	26	72	.	.	PUNCT
inlawrev-2352	27	1	but	but	CCONJ
inlawrev-2352	27	2	certainly	certainly	ADV
inlawrev-2352	27	3	,	,	PUNCT
inlawrev-2352	27	4	the	the	DET
inlawrev-2352	27	5	benefits	benefit	NOUN
inlawrev-2352	27	6	derived	derive	VERB
inlawrev-2352	27	7	from	from	ADP
inlawrev-2352	27	8	using	use	VERB
inlawrev-2352	27	9	the	the	DET
inlawrev-2352	27	10	conditional	conditional	ADJ
inlawrev-2352	27	11	receipt	receipt	NOUN
inlawrev-2352	27	12	device	device	NOUN
inlawrev-2352	27	13	run	run	VERB
inlawrev-2352	27	14	to	to	ADP
inlawrev-2352	27	15	the	the	DET
inlawrev-2352	27	16	life	life	NOUN
inlawrev-2352	27	17	proposed	propose	VERB
inlawrev-2352	27	18	as	as	ADV
inlawrev-2352	27	19	well	well	ADV
inlawrev-2352	27	20	as	as	ADP
inlawrev-2352	27	21	to	to	ADP
inlawrev-2352	27	22	the	the	DET
inlawrev-2352	27	23	company	company	NOUN
inlawrev-2352	27	24	.	.	PUNCT
inlawrev-2352	28	1	crowe	crowe	PROPN
inlawrev-2352	28	2	,	,	PUNCT
inlawrev-2352	28	3	supra	supra	PROPN
inlawrev-2352	28	4	note	note	PROPN
inlawrev-2352	28	5	1	1	NUM
inlawrev-2352	28	6	,	,	PUNCT
inlawrev-2352	28	7	at	at	ADP
inlawrev-2352	28	8	54	54	NUM
inlawrev-2352	28	9	.	.	NUM
inlawrev-2352	28	10	^339	^339	PUNCT
inlawrev-2352	28	11	n.e.2d	n.e.2d	VERB
inlawrev-2352	29	1	599	599	NUM
inlawrev-2352	29	2	(	(	PUNCT
inlawrev-2352	29	3	ind	ind	NOUN
inlawrev-2352	29	4	.	.	PUNCT
inlawrev-2352	30	1	ct	ct	PROPN
inlawrev-2352	30	2	.	.	PUNCT
inlawrev-2352	31	1	app	app	PROPN
inlawrev-2352	31	2	.	.	PROPN
inlawrev-2352	31	3	1976	1976	NUM
inlawrev-2352	31	4	)	)	PUNCT
inlawrev-2352	31	5	.	.	PUNCT
inlawrev-2352	32	1	*	*	PUNCT
inlawrev-2352	32	2	354	354	NUM
inlawrev-2352	32	3	n.e.2d	n.e.2d	NOUN
inlawrev-2352	32	4	333	333	NUM
inlawrev-2352	32	5	(	(	PUNCT
inlawrev-2352	32	6	ind	ind	NOUN
inlawrev-2352	32	7	.	.	PUNCT
inlawrev-2352	33	1	ct	ct	PROPN
inlawrev-2352	33	2	.	.	PUNCT
inlawrev-2352	34	1	app	app	PROPN
inlawrev-2352	34	2	.	.	PROPN
inlawrev-2352	34	3	1976	1976	NUM
inlawrev-2352	34	4	)	)	PUNCT
inlawrev-2352	35	1	.	.	PUNCT
inlawrev-2352	35	2	^444	^444	X
inlawrev-2352	35	3	f.	f.	PROPN
inlawrev-2352	35	4	supp	supp	PROPN
inlawrev-2352	35	5	.	.	PUNCT
inlawrev-2352	36	1	634	634	NUM
inlawrev-2352	36	2	(	(	PUNCT
inlawrev-2352	36	3	n.d	n.d	PROPN
inlawrev-2352	36	4	.	.	PROPN
inlawrev-2352	36	5	ind	ind	PROPN
inlawrev-2352	36	6	.	.	PUNCT
inlawrev-2352	36	7	1978	1978	NUM
inlawrev-2352	36	8	)	)	PUNCT
inlawrev-2352	36	9	.	.	PUNCT
inlawrev-2352	37	1	^the	^the	DET
inlawrev-2352	37	2	insurance	insurance	NOUN
inlawrev-2352	37	3	agent	agent	NOUN
inlawrev-2352	37	4	had	have	AUX
inlawrev-2352	37	5	determined	determine	VERB
inlawrev-2352	37	6	that	that	SCONJ
inlawrev-2352	37	7	,	,	PUNCT
inlawrev-2352	37	8	because	because	SCONJ
inlawrev-2352	37	9	kaiser	kaiser	PROPN
inlawrev-2352	37	10	was	be	AUX
inlawrev-2352	37	11	only	only	ADV
inlawrev-2352	37	12	20	20	NUM
inlawrev-2352	37	13	years	year	NOUN
inlawrev-2352	37	14	old	old	ADJ
inlawrev-2352	37	15	,	,	PUNCT
inlawrev-2352	37	16	he	he	PRON
inlawrev-2352	37	17	was	be	AUX
inlawrev-2352	37	18	ineligible	ineligible	ADJ
inlawrev-2352	37	19	for	for	ADP
inlawrev-2352	37	20	term	term	NOUN
inlawrev-2352	37	21	life	life	NOUN
inlawrev-2352	37	22	insurance	insurance	NOUN
inlawrev-2352	37	23	according	accord	VERB
inlawrev-2352	37	24	to	to	ADP
inlawrev-2352	37	25	company	company	NOUN
inlawrev-2352	37	26	rules	rule	NOUN
inlawrev-2352	37	27	.	.	PUNCT
inlawrev-2352	38	1	339	339	NUM
inlawrev-2352	38	2	n.e.2d	n.e.2d	NOUN
inlawrev-2352	38	3	at	at	ADP
inlawrev-2352	38	4	600	600	NUM
inlawrev-2352	38	5	.	.	PUNCT
inlawrev-2352	39	1	i	i	PRON
inlawrev-2352	39	2	1979	1979	NUM
inlawrev-2352	39	3	]	]	PUNCT
inlawrev-2352	39	4	conditional	conditional	ADJ
inlawrev-2352	39	5	receipts	receipt	NOUN
inlawrev-2352	39	6	779	779	NUM
inlawrev-2352	39	7	the	the	DET
inlawrev-2352	39	8	company	company	NOUN
inlawrev-2352	39	9	had	have	AUX
inlawrev-2352	39	10	neither	neither	CCONJ
inlawrev-2352	39	11	accepted	accept	VERB
inlawrev-2352	39	12	nor	nor	CCONJ
inlawrev-2352	39	13	rejected	reject	VERB
inlawrev-2352	39	14	the	the	DET
inlawrev-2352	39	15	application	application	NOUN
inlawrev-2352	39	16	.	.	PUNCT
inlawrev-2352	40	1	according	accord	VERB
inlawrev-2352	40	2	to	to	ADP
inlawrev-2352	40	3	the	the	DET
inlawrev-2352	40	4	appellate	appellate	ADJ
inlawrev-2352	40	5	court	court	NOUN
inlawrev-2352	40	6	's	's	PART
inlawrev-2352	40	7	summary	summary	NOUN
inlawrev-2352	40	8	of	of	ADP
inlawrev-2352	40	9	the	the	DET
inlawrev-2352	40	10	trial	trial	NOUN
inlawrev-2352	40	11	court	court	NOUN
inlawrev-2352	40	12	's	's	PART
inlawrev-2352	40	13	findings	finding	NOUN
inlawrev-2352	40	14	,	,	PUNCT
inlawrev-2352	40	15	the	the	DET
inlawrev-2352	40	16	company	company	NOUN
inlawrev-2352	40	17	had	have	AUX
inlawrev-2352	40	18	failed	fail	VERB
inlawrev-2352	40	19	to	to	PART
inlawrev-2352	40	20	act	act	VERB
inlawrev-2352	40	21	because	because	SCONJ
inlawrev-2352	40	22	it	it	PRON
inlawrev-2352	40	23	was	be	AUX
inlawrev-2352	40	24	still	still	ADV
inlawrev-2352	40	25	"	"	PUNCT
inlawrev-2352	40	26	attempting	attempt	VERB
inlawrev-2352	40	27	to	to	PART
inlawrev-2352	40	28	obtain	obtain	VERB
inlawrev-2352	40	29	additional	additional	ADJ
inlawrev-2352	40	30	information	information	NOUN
inlawrev-2352	40	31	to	to	PART
inlawrev-2352	40	32	determine	determine	VERB
inlawrev-2352	40	33	[	[	X
inlawrev-2352	40	34	kaiser	kaiser	NOUN
inlawrev-2352	40	35	's	's	PART
inlawrev-2352	40	36	]	]	PUNCT
inlawrev-2352	40	37	insurability	insurability	NOUN
inlawrev-2352	40	38	.	.	PUNCT
inlawrev-2352	41	1	"^	"^	VERB
inlawrev-2352	42	1	according	accord	VERB
inlawrev-2352	42	2	to	to	ADP
inlawrev-2352	42	3	the	the	DET
inlawrev-2352	42	4	court	court	NOUN
inlawrev-2352	42	5	's	's	PART
inlawrev-2352	42	6	summary	summary	NOUN
inlawrev-2352	42	7	of	of	ADP
inlawrev-2352	42	8	the	the	DET
inlawrev-2352	42	9	facts	fact	NOUN
inlawrev-2352	42	10	,	,	PUNCT
inlawrev-2352	42	11	the	the	DET
inlawrev-2352	42	12	conditional	conditional	ADJ
inlawrev-2352	42	13	receipt	receipt	NOUN
inlawrev-2352	42	14	given	give	VERB
inlawrev-2352	42	15	to	to	ADP
inlawrev-2352	42	16	kaiser	kaiser	PROPN
inlawrev-2352	42	17	provided	provide	VERB
inlawrev-2352	42	18	that	that	SCONJ
inlawrev-2352	42	19	"	"	PUNCT
inlawrev-2352	42	20	insurance	insurance	NOUN
inlawrev-2352	42	21	coverage	coverage	NOUN
inlawrev-2352	42	22	under	under	ADP
inlawrev-2352	42	23	the	the	DET
inlawrev-2352	42	24	policy	policy	NOUN
inlawrev-2352	42	25	would	would	AUX
inlawrev-2352	42	26	be	be	AUX
inlawrev-2352	42	27	effective	effective	ADJ
inlawrev-2352	42	28	as	as	ADP
inlawrev-2352	42	29	of	of	ADP
inlawrev-2352	42	30	a	a	DET
inlawrev-2352	42	31	specified	specify	VERB
inlawrev-2352	42	32	date	date	NOUN
inlawrev-2352	42	33	provided	provide	VERB
inlawrev-2352	42	34	that	that	DET
inlawrev-2352	42	35	defendant	defendant	NOUN
inlawrev-2352	42	36	was	be	AUX
inlawrev-2352	42	37	satisfied	satisfied	ADJ
inlawrev-2352	42	38	that	that	SCONJ
inlawrev-2352	42	39	on	on	ADP
inlawrev-2352	42	40	such	such	ADJ
inlawrev-2352	42	41	date	date	NOUN
inlawrev-2352	42	42	the	the	DET
inlawrev-2352	42	43	applicant	applicant	NOUN
inlawrev-2352	42	44	was	be	AUX
inlawrev-2352	42	45	an	an	DET
inlawrev-2352	42	46	insurable	insurable	ADJ
inlawrev-2352	42	47	risk	risk	NOUN
inlawrev-2352	42	48	under	under	ADP
inlawrev-2352	42	49	the	the	DET
inlawrev-2352	42	50	company	company	NOUN
inlawrev-2352	42	51	's	's	PART
inlawrev-2352	42	52	rules	rule	NOUN
inlawrev-2352	42	53	for	for	ADP
inlawrev-2352	42	54	the	the	DET
inlawrev-2352	42	55	type	type	NOUN
inlawrev-2352	42	56	of	of	ADP
inlawrev-2352	42	57	policy	policy	NOUN
inlawrev-2352	42	58	applied	apply	VERB
inlawrev-2352	42	59	for	for	ADP
inlawrev-2352	42	60	.	.	PUNCT
inlawrev-2352	43	1	"	"	PUNCT
inlawrev-2352	43	2	®	®	NOUN
inlawrev-2352	43	3	this	this	DET
inlawrev-2352	43	4	language	language	NOUN
inlawrev-2352	43	5	supports	support	VERB
inlawrev-2352	43	6	the	the	DET
inlawrev-2352	43	7	company	company	NOUN
inlawrev-2352	43	8	's	's	PART
inlawrev-2352	43	9	argument	argument	NOUN
inlawrev-2352	43	10	that	that	SCONJ
inlawrev-2352	43	11	the	the	DET
inlawrev-2352	43	12	applicant	applicant	NOUN
inlawrev-2352	43	13	's	's	PART
inlawrev-2352	43	14	insurability	insurability	NOUN
inlawrev-2352	43	15	was	be	AUX
inlawrev-2352	43	16	a	a	DET
inlawrev-2352	43	17	condition	condition	NOUN
inlawrev-2352	43	18	precedent	precedent	NOUN
inlawrev-2352	43	19	to	to	ADP
inlawrev-2352	43	20	the	the	DET
inlawrev-2352	43	21	company	company	NOUN
inlawrev-2352	43	22	's	's	PART
inlawrev-2352	43	23	liability	liability	NOUN
inlawrev-2352	43	24	;	;	PUNCT
inlawrev-2352	43	25	that	that	PRON
inlawrev-2352	43	26	is	is	ADV
inlawrev-2352	43	27	,	,	PUNCT
inlawrev-2352	43	28	the	the	DET
inlawrev-2352	43	29	insurance	insurance	NOUN
inlawrev-2352	43	30	would	would	AUX
inlawrev-2352	43	31	be	be	AUX
inlawrev-2352	43	32	effective	effective	ADJ
inlawrev-2352	43	33	on	on	ADP
inlawrev-2352	43	34	the	the	DET
inlawrev-2352	43	35	date	date	NOUN
inlawrev-2352	43	36	specified	specify	VERB
inlawrev-2352	43	37	in	in	ADP
inlawrev-2352	43	38	the	the	DET
inlawrev-2352	43	39	conditional	conditional	ADJ
inlawrev-2352	43	40	receipt	receipt	NOUN
inlawrev-2352	43	41	if	if	SCONJ
inlawrev-2352	43	42	,	,	PUNCT
inlawrev-2352	43	43	and	and	CCONJ
inlawrev-2352	43	44	only	only	ADV
inlawrev-2352	43	45	if	if	SCONJ
inlawrev-2352	43	46	,	,	PUNCT
inlawrev-2352	43	47	the	the	DET
inlawrev-2352	43	48	applicant	applicant	NOUN
inlawrev-2352	43	49	was	be	AUX
inlawrev-2352	43	50	an	an	DET
inlawrev-2352	43	51	insurable	insurable	ADJ
inlawrev-2352	43	52	risk	risk	NOUN
inlawrev-2352	43	53	on	on	ADP
inlawrev-2352	43	54	that	that	DET
inlawrev-2352	43	55	date.^	date.^	PROPN
inlawrev-2352	43	56	nevertheless	nevertheless	ADV
inlawrev-2352	43	57	,	,	PUNCT
inlawrev-2352	43	58	the	the	DET
inlawrev-2352	43	59	court	court	NOUN
inlawrev-2352	43	60	observed	observe	VERB
inlawrev-2352	43	61	that	that	SCONJ
inlawrev-2352	43	62	the	the	DET
inlawrev-2352	43	63	condition	condition	NOUN
inlawrev-2352	43	64	precedent	precedent	NOUN
inlawrev-2352	43	65	construction	construction	NOUN
inlawrev-2352	43	66	had	have	AUX
inlawrev-2352	43	67	not	not	PART
inlawrev-2352	43	68	always	always	ADV
inlawrev-2352	43	69	been	be	AUX
inlawrev-2352	43	70	applied	apply	VERB
inlawrev-2352	43	71	to	to	ADP
inlawrev-2352	43	72	similar	similar	ADJ
inlawrev-2352	43	73	language	language	NOUN
inlawrev-2352	43	74	in	in	ADP
inlawrev-2352	43	75	conditional	conditional	ADJ
inlawrev-2352	43	76	receipts	receipt	NOUN
inlawrev-2352	43	77	:	:	PUNCT
inlawrev-2352	43	78	[	[	PUNCT
inlawrev-2352	43	79	c]ourts	c]ourt	NOUN
inlawrev-2352	43	80	have	have	AUX
inlawrev-2352	43	81	interpreted	interpret	VERB
inlawrev-2352	43	82	conditional	conditional	ADJ
inlawrev-2352	43	83	receipts	receipt	NOUN
inlawrev-2352	43	84	as	as	ADP
inlawrev-2352	43	85	creating	create	VERB
inlawrev-2352	43	86	a	a	DET
inlawrev-2352	43	87	temporary	temporary	ADJ
inlawrev-2352	43	88	or	or	CCONJ
inlawrev-2352	43	89	interim	interim	ADJ
inlawrev-2352	43	90	contract	contract	NOUN
inlawrev-2352	43	91	for	for	ADP
inlawrev-2352	43	92	insurance	insurance	NOUN
inlawrev-2352	43	93	subject	subject	ADJ
inlawrev-2352	43	94	to	to	ADP
inlawrev-2352	43	95	a	a	DET
inlawrev-2352	43	96	condition	condition	NOUN
inlawrev-2352	43	97	subsequent	subsequent	ADJ
inlawrev-2352	43	98	—	—	PUNCT
inlawrev-2352	43	99	rejection	rejection	NOUN
inlawrev-2352	43	100	of	of	ADP
inlawrev-2352	43	101	the	the	DET
inlawrev-2352	43	102	application	application	NOUN
inlawrev-2352	43	103	by	by	ADP
inlawrev-2352	43	104	the	the	DET
inlawrev-2352	43	105	company	company	NOUN
inlawrev-2352	43	106	.	.	PUNCT
inlawrev-2352	44	1	where	where	SCONJ
inlawrev-2352	44	2	rejection	rejection	NOUN
inlawrev-2352	44	3	does	do	AUX
inlawrev-2352	44	4	not	not	PART
inlawrev-2352	44	5	occur	occur	VERB
inlawrev-2352	44	6	,	,	PUNCT
inlawrev-2352	44	7	in	in	ADP
inlawrev-2352	44	8	the	the	DET
inlawrev-2352	44	9	case	case	NOUN
inlawrev-2352	44	10	of	of	ADP
inlawrev-2352	44	11	life	life	NOUN
inlawrev-2352	44	12	insurance	insurance	NOUN
inlawrev-2352	44	13	,	,	PUNCT
inlawrev-2352	44	14	prior	prior	ADV
inlawrev-2352	44	15	to	to	ADP
inlawrev-2352	44	16	the	the	DET
inlawrev-2352	44	17	death	death	NOUN
inlawrev-2352	44	18	of	of	ADP
inlawrev-2352	44	19	the	the	DET
inlawrev-2352	44	20	applicant	applicant	NOUN
inlawrev-2352	44	21	,	,	PUNCT
inlawrev-2352	44	22	the	the	DET
inlawrev-2352	44	23	company	company	NOUN
inlawrev-2352	44	24	is	be	AUX
inlawrev-2352	44	25	liable	liable	ADJ
inlawrev-2352	44	26	for	for	ADP
inlawrev-2352	44	27	the	the	DET
inlawrev-2352	44	28	stated	state	VERB
inlawrev-2352	44	29	amount	amount	NOUN
inlawrev-2352	44	30	of	of	ADP
inlawrev-2352	44	31	proceeds	proceed	NOUN
inlawrev-2352	44	32	.	.	PUNCT
inlawrev-2352	45	1	^"^	^"^	NOUN
inlawrev-2352	45	2	recognizing	recognize	VERB
inlawrev-2352	45	3	that	that	SCONJ
inlawrev-2352	45	4	this	this	DET
inlawrev-2352	45	5	problem	problem	NOUN
inlawrev-2352	45	6	was	be	AUX
inlawrev-2352	45	7	one	one	NUM
inlawrev-2352	45	8	of	of	ADP
inlawrev-2352	45	9	first	first	ADJ
inlawrev-2352	45	10	impression	impression	NOUN
inlawrev-2352	45	11	in	in	ADP
inlawrev-2352	45	12	indiana	indiana	PROPN
inlawrev-2352	45	13	,	,	PUNCT
inlawrev-2352	45	14	"	"	PUNCT
inlawrev-2352	45	15	the	the	DET
inlawrev-2352	45	16	court	court	NOUN
inlawrev-2352	45	17	drew	draw	VERB
inlawrev-2352	45	18	heavily	heavily	ADV
inlawrev-2352	45	19	upon	upon	SCONJ
inlawrev-2352	45	20	an	an	DET
inlawrev-2352	45	21	indiana	indiana	NOUN
inlawrev-2352	45	22	case	case	NOUN
inlawrev-2352	45	23	dealing	deal	VERB
inlawrev-2352	45	24	with	with	ADP
inlawrev-2352	45	25	industrial	industrial	ADJ
inlawrev-2352	45	26	insurance	insurance	NOUN
inlawrev-2352	45	27	.	.	PUNCT
inlawrev-2352	46	1	western	western	ADJ
inlawrev-2352	46	2	<	<	PROPN
inlawrev-2352	46	3	&	&	CCONJ
inlawrev-2352	46	4	southern	southern	ADJ
inlawrev-2352	46	5	life	life	PROPN
inlawrev-2352	46	6	insurance	insurance	PROPN
inlawrev-2352	46	7	co.	co.	PROPN
inlawrev-2352	47	1	v.	v.	CCONJ
inlawrev-2352	47	2	vale,^^	vale,^^	PROPN
inlawrev-2352	47	3	and	and	CCONJ
inlawrev-2352	47	4	upon	upon	SCONJ
inlawrev-2352	47	5	decisions	decision	NOUN
inlawrev-2352	47	6	in	in	ADP
inlawrev-2352	47	7	nevada	nevada	PROPN
inlawrev-2352	47	8	and	and	CCONJ
inlawrev-2352	47	9	kansas	kansas	PROPN
inlawrev-2352	47	10	,	,	PUNCT
inlawrev-2352	47	11	prudential	prudential	PROPN
inlawrev-2352	47	12	insurance	insurance	PROPN
inlawrev-2352	47	13	co.	co.	PROPN
inlawrev-2352	47	14	of	of	ADP
inlawrev-2352	47	15	america	america	PROPN
inlawrev-2352	47	16	v.	v.	ADP
inlawrev-2352	47	17	lamme^^	lamme^^	NOUN
inlawrev-2352	47	18	and	and	CCONJ
inlawrev-2352	47	19	service	service	NOUN
inlawrev-2352	47	20	v.	v.	ADP
inlawrev-2352	47	21	pyramid	pyramid	PROPN
inlawrev-2352	47	22	life	life	PROPN
inlawrev-2352	47	23	insurance	insurance	PROPN
inlawrev-2352	47	24	co.	co.	PROPN
inlawrev-2352	47	25	,^^	,^^	PUNCT
inlawrev-2352	47	26	respectively	respectively	ADV
inlawrev-2352	47	27	.	.	PUNCT
inlawrev-2352	48	1	after	after	ADP
inlawrev-2352	48	2	quoting	quote	VERB
inlawrev-2352	48	3	extensively	extensively	ADV
inlawrev-2352	48	4	from	from	ADP
inlawrev-2352	48	5	these	these	DET
inlawrev-2352	48	6	three	three	NUM
inlawrev-2352	48	7	cases	case	NOUN
inlawrev-2352	48	8	,	,	PUNCT
inlawrev-2352	48	9	the	the	DET
inlawrev-2352	48	10	kaiser	kaiser	PROPN
inlawrev-2352	48	11	court	court	PROPN
inlawrev-2352	48	12	drew	draw	VERB
inlawrev-2352	48	13	the	the	DET
inlawrev-2352	48	14	following	following	ADJ
inlawrev-2352	48	15	conclusions	conclusion	NOUN
inlawrev-2352	48	16	:	:	PUNCT
inlawrev-2352	48	17	ud	ud	PROPN
inlawrev-2352	48	18	.	.	PUNCT
inlawrev-2352	49	1	'	'	PUNCT
inlawrev-2352	49	2	i	i	PRON
inlawrev-2352	49	3	d.	d.	PROPN
inlawrev-2352	49	4	^see	^see	PUNCT
inlawrev-2352	49	5	note	note	VERB
inlawrev-2352	49	6	34	34	NUM
inlawrev-2352	49	7	infra	infra	NOUN
inlawrev-2352	49	8	and	and	CCONJ
inlawrev-2352	49	9	accompanying	accompany	VERB
inlawrev-2352	49	10	text	text	NOUN
inlawrev-2352	49	11	.	.	PUNCT
inlawrev-2352	50	1	see	see	VERB
inlawrev-2352	50	2	also	also	ADV
inlawrev-2352	50	3	annot	annot	ADV
inlawrev-2352	50	4	.	.	PUNCT
inlawrev-2352	50	5	,	,	PUNCT
inlawrev-2352	50	6	2	2	NUM
inlawrev-2352	50	7	a.l.r.2d	a.l.r.2d	PROPN
inlawrev-2352	50	8	943	943	NUM
inlawrev-2352	50	9	,	,	PUNCT
inlawrev-2352	50	10	986	986	NUM
inlawrev-2352	50	11	-	-	SYM
inlawrev-2352	50	12	87	87	NUM
inlawrev-2352	50	13	(	(	PUNCT
inlawrev-2352	50	14	1948	1948	NUM
inlawrev-2352	50	15	)	)	PUNCT
inlawrev-2352	50	16	;	;	PUNCT
inlawrev-2352	50	17	fortunato	fortunato	PROPN
inlawrev-2352	50	18	,	,	PUNCT
inlawrev-2352	50	19	supra	supra	PROPN
inlawrev-2352	50	20	note	note	NOUN
inlawrev-2352	50	21	1	1	NUM
inlawrev-2352	50	22	,	,	PUNCT
inlawrev-2352	50	23	at	at	ADP
inlawrev-2352	50	24	8	8	NUM
inlawrev-2352	50	25	.	.	PUNCT
inlawrev-2352	51	1	the	the	DET
inlawrev-2352	51	2	other	other	ADJ
inlawrev-2352	51	3	type	type	NOUN
inlawrev-2352	51	4	of	of	ADP
inlawrev-2352	51	5	receipt	receipt	NOUN
inlawrev-2352	51	6	now	now	ADV
inlawrev-2352	51	7	in	in	ADP
inlawrev-2352	51	8	use	use	NOUN
inlawrev-2352	51	9	is	be	AUX
inlawrev-2352	51	10	the	the	DET
inlawrev-2352	51	11	"	"	PUNCT
inlawrev-2352	51	12	approval	approval	NOUN
inlawrev-2352	51	13	"	"	PUNCT
inlawrev-2352	51	14	receipt	receipt	NOUN
inlawrev-2352	51	15	,	,	PUNCT
inlawrev-2352	51	16	which	which	PRON
inlawrev-2352	51	17	states	state	VERB
inlawrev-2352	51	18	that	that	SCONJ
inlawrev-2352	51	19	coverage	coverage	NOUN
inlawrev-2352	51	20	is	be	AUX
inlawrev-2352	51	21	in	in	ADP
inlawrev-2352	51	22	effect	effect	NOUN
inlawrev-2352	51	23	only	only	ADV
inlawrev-2352	51	24	after	after	SCONJ
inlawrev-2352	51	25	the	the	DET
inlawrev-2352	51	26	company	company	NOUN
inlawrev-2352	51	27	has	have	AUX
inlawrev-2352	51	28	approved	approve	VERB
inlawrev-2352	51	29	the	the	DET
inlawrev-2352	51	30	application	application	NOUN
inlawrev-2352	51	31	.	.	PUNCT
inlawrev-2352	52	1	see	see	AUX
inlawrev-2352	52	2	note	note	VERB
inlawrev-2352	52	3	33	33	NUM
inlawrev-2352	52	4	infra	infra	NOUN
inlawrev-2352	52	5	and	and	CCONJ
inlawrev-2352	52	6	accompanying	accompany	VERB
inlawrev-2352	52	7	text	text	NOUN
inlawrev-2352	52	8	.	.	PUNCT
inlawrev-2352	53	1	see	see	VERB
inlawrev-2352	53	2	also	also	ADV
inlawrev-2352	53	3	annot	annot	ADV
inlawrev-2352	53	4	.	.	PUNCT
inlawrev-2352	53	5	,	,	PUNCT
inlawrev-2352	53	6	2	2	NUM
inlawrev-2352	53	7	a.l.r.2d	a.l.r.2d	PROPN
inlawrev-2352	53	8	943	943	NUM
inlawrev-2352	53	9	,	,	PUNCT
inlawrev-2352	53	10	961	961	NUM
inlawrev-2352	53	11	(	(	PUNCT
inlawrev-2352	53	12	1948	1948	NUM
inlawrev-2352	53	13	)	)	PUNCT
inlawrev-2352	53	14	;	;	PUNCT
inlawrev-2352	53	15	fortunato	fortunato	PROPN
inlawrev-2352	53	16	,	,	PUNCT
inlawrev-2352	53	17	supra	supra	PROPN
inlawrev-2352	53	18	note	note	NOUN
inlawrev-2352	53	19	1	1	NUM
inlawrev-2352	53	20	,	,	PUNCT
inlawrev-2352	53	21	at	at	ADP
inlawrev-2352	53	22	8	8	NUM
inlawrev-2352	53	23	.	.	PUNCT
inlawrev-2352	54	1	the	the	DET
inlawrev-2352	54	2	a.l.r	a.l.r	ADJ
inlawrev-2352	54	3	.	.	PUNCT
inlawrev-2352	54	4	annotation	annotation	NOUN
inlawrev-2352	54	5	indicates	indicate	VERB
inlawrev-2352	54	6	that	that	SCONJ
inlawrev-2352	54	7	the	the	DET
inlawrev-2352	54	8	approval	approval	NOUN
inlawrev-2352	54	9	receipt	receipt	NOUN
inlawrev-2352	54	10	was	be	AUX
inlawrev-2352	54	11	more	more	ADV
inlawrev-2352	54	12	common	common	ADJ
inlawrev-2352	54	13	at	at	ADP
inlawrev-2352	54	14	the	the	DET
inlawrev-2352	54	15	time	time	NOUN
inlawrev-2352	54	16	that	that	SCONJ
inlawrev-2352	54	17	the	the	DET
inlawrev-2352	54	18	annotation	annotation	NOUN
inlawrev-2352	54	19	was	be	AUX
inlawrev-2352	54	20	written	write	VERB
inlawrev-2352	54	21	.	.	PUNCT
inlawrev-2352	55	1	annot	annot	ADV
inlawrev-2352	55	2	.	.	PUNCT
inlawrev-2352	55	3	,	,	PUNCT
inlawrev-2352	55	4	2	2	NUM
inlawrev-2352	55	5	a.l.r.2d	a.l.r.2d	PROPN
inlawrev-2352	55	6	943	943	NUM
inlawrev-2352	55	7	,	,	PUNCT
inlawrev-2352	55	8	946	946	NUM
inlawrev-2352	55	9	(	(	PUNCT
inlawrev-2352	55	10	1948	1948	NUM
inlawrev-2352	55	11	)	)	PUNCT
inlawrev-2352	55	12	.	.	PUNCT
inlawrev-2352	56	1	it	it	PRON
inlawrev-2352	56	2	is	be	AUX
inlawrev-2352	56	3	questionable	questionable	ADJ
inlawrev-2352	56	4	now	now	ADV
inlawrev-2352	56	5	whether	whether	SCONJ
inlawrev-2352	56	6	the	the	DET
inlawrev-2352	56	7	approval	approval	NOUN
inlawrev-2352	56	8	or	or	CCONJ
inlawrev-2352	56	9	insurability	insurability	NOUN
inlawrev-2352	56	10	receipt	receipt	NOUN
inlawrev-2352	56	11	is	be	AUX
inlawrev-2352	56	12	more	more	ADV
inlawrev-2352	56	13	common	common	ADJ
inlawrev-2352	56	14	.	.	PUNCT
inlawrev-2352	56	15	^"339	^"339	PUNCT
inlawrev-2352	57	1	n.e.2d	n.e.2d	NOUN
inlawrev-2352	57	2	at	at	ADP
inlawrev-2352	57	3	601	601	NUM
inlawrev-2352	57	4	.	.	PUNCT
inlawrev-2352	58	1	"	"	PUNCT
inlawrev-2352	58	2	m	m	VERB
inlawrev-2352	58	3	at	at	ADP
inlawrev-2352	58	4	602	602	NUM
inlawrev-2352	58	5	.	.	PUNCT
inlawrev-2352	59	1	^=^213	^=^213	PUNCT
inlawrev-2352	59	2	ind	ind	NOUN
inlawrev-2352	59	3	.	.	PUNCT
inlawrev-2352	60	1	601	601	NUM
inlawrev-2352	60	2	,	,	PUNCT
inlawrev-2352	60	3	12	12	NUM
inlawrev-2352	60	4	n.e.2d	n.e.2d	NOUN
inlawrev-2352	60	5	350	350	NUM
inlawrev-2352	60	6	(	(	PUNCT
inlawrev-2352	60	7	1938	1938	NUM
inlawrev-2352	60	8	)	)	PUNCT
inlawrev-2352	60	9	.	.	PUNCT
inlawrev-2352	61	1	'	'	PUNCT
inlawrev-2352	61	2	^83	^83	PRON
inlawrev-2352	61	3	nev	nev	PROPN
inlawrev-2352	61	4	.	.	PROPN
inlawrev-2352	61	5	146	146	NUM
inlawrev-2352	61	6	,	,	PUNCT
inlawrev-2352	61	7	425	425	NUM
inlawrev-2352	61	8	p.2d	p.2d	SYM
inlawrev-2352	61	9	346	346	NUM
inlawrev-2352	61	10	(	(	PUNCT
inlawrev-2352	61	11	1967	1967	NUM
inlawrev-2352	61	12	)	)	PUNCT
inlawrev-2352	61	13	.	.	PUNCT
inlawrev-2352	62	1	^*201	^*201	PUNCT
inlawrev-2352	62	2	kan	kan	PROPN
inlawrev-2352	62	3	.	.	PROPN
inlawrev-2352	62	4	196	196	NUM
inlawrev-2352	62	5	,	,	PUNCT
inlawrev-2352	62	6	440	440	NUM
inlawrev-2352	62	7	p.2d	p.2d	SYM
inlawrev-2352	62	8	944	944	NUM
inlawrev-2352	62	9	(	(	PUNCT
inlawrev-2352	62	10	1968	1968	NUM
inlawrev-2352	62	11	)	)	PUNCT
inlawrev-2352	62	12	.	.	PUNCT
inlawrev-2352	63	1	780	780	NUM
inlawrev-2352	63	2	indiana	indiana	PROPN
inlawrev-2352	63	3	la	la	PROPN
inlawrev-2352	63	4	w	w	PROPN
inlawrev-2352	63	5	review	review	PROPN
inlawrev-2352	63	6	[	[	X
inlawrev-2352	63	7	vol	vol	NOUN
inlawrev-2352	63	8	.	.	PUNCT
inlawrev-2352	63	9	12:777	12:777	NUM
inlawrev-2352	63	10	where	where	SCONJ
inlawrev-2352	63	11	,	,	PUNCT
inlawrev-2352	63	12	as	as	ADP
inlawrev-2352	63	13	in	in	ADP
inlawrev-2352	63	14	the	the	DET
inlawrev-2352	63	15	case	case	NOUN
inlawrev-2352	63	16	at	at	ADP
inlawrev-2352	63	17	bar	bar	NOUN
inlawrev-2352	63	18	,	,	PUNCT
inlawrev-2352	63	19	a	a	DET
inlawrev-2352	63	20	receipt	receipt	NOUN
inlawrev-2352	63	21	is	be	AUX
inlawrev-2352	63	22	issued	issue	VERB
inlawrev-2352	63	23	by	by	ADP
inlawrev-2352	63	24	a	a	DET
inlawrev-2352	63	25	life	life	NOUN
inlawrev-2352	63	26	insurer	insurer	NOUN
inlawrev-2352	63	27	and	and	CCONJ
inlawrev-2352	63	28	the	the	DET
inlawrev-2352	63	29	receipt	receipt	NOUN
inlawrev-2352	63	30	is	be	AUX
inlawrev-2352	63	31	supported	support	VERB
inlawrev-2352	63	32	by	by	ADP
inlawrev-2352	63	33	consideration	consideration	NOUN
inlawrev-2352	63	34	,	,	PUNCT
inlawrev-2352	63	35	a	a	DET
inlawrev-2352	63	36	contract	contract	NOUN
inlawrev-2352	63	37	is	be	AUX
inlawrev-2352	63	38	created	create	VERB
inlawrev-2352	63	39	.	.	PUNCT
inlawrev-2352	64	1	any	any	DET
inlawrev-2352	64	2	conditions	condition	NOUN
inlawrev-2352	64	3	contained	contain	VERB
inlawrev-2352	64	4	in	in	ADP
inlawrev-2352	64	5	the	the	DET
inlawrev-2352	64	6	receipt	receipt	NOUN
inlawrev-2352	64	7	are	be	AUX
inlawrev-2352	64	8	to	to	PART
inlawrev-2352	64	9	be	be	AUX
inlawrev-2352	64	10	treated	treat	VERB
inlawrev-2352	64	11	as	as	ADP
inlawrev-2352	64	12	conditions	condition	NOUN
inlawrev-2352	64	13	subsequent	subsequent	ADJ
inlawrev-2352	64	14	thereby	thereby	ADV
inlawrev-2352	64	15	compelling	compel	VERB
inlawrev-2352	64	16	an	an	DET
inlawrev-2352	64	17	insurer	insurer	NOUN
inlawrev-2352	64	18	to	to	PART
inlawrev-2352	64	19	act	act	VERB
inlawrev-2352	64	20	affirmatively	affirmatively	ADV
inlawrev-2352	64	21	or	or	CCONJ
inlawrev-2352	64	22	negatively	negatively	ADV
inlawrev-2352	64	23	on	on	ADP
inlawrev-2352	64	24	the	the	DET
inlawrev-2352	64	25	application	application	NOUN
inlawrev-2352	64	26	.	.	PUNCT
inlawrev-2352	65	1	moreover	moreover	ADV
inlawrev-2352	65	2	,	,	PUNCT
inlawrev-2352	65	3	where	where	SCONJ
inlawrev-2352	65	4	an	an	DET
inlawrev-2352	65	5	applicant	applicant	NOUN
inlawrev-2352	65	6	is	be	AUX
inlawrev-2352	65	7	not	not	PART
inlawrev-2352	65	8	acceptable	acceptable	ADJ
inlawrev-2352	65	9	,	,	PUNCT
inlawrev-2352	65	10	he	he	PRON
inlawrev-2352	65	11	must	must	AUX
inlawrev-2352	65	12	be	be	AUX
inlawrev-2352	65	13	notified	notify	VERB
inlawrev-2352	65	14	and	and	CCONJ
inlawrev-2352	65	15	the	the	DET
inlawrev-2352	65	16	premium	premium	NOUN
inlawrev-2352	65	17	returned	return	VERB
inlawrev-2352	65	18	.	.	PUNCT
inlawrev-2352	66	1	an	an	DET
inlawrev-2352	66	2	insurer	insurer	NOUN
inlawrev-2352	66	3	can	can	AUX
inlawrev-2352	66	4	not	not	PART
inlawrev-2352	66	5	terminate	terminate	VERB
inlawrev-2352	66	6	the	the	DET
inlawrev-2352	66	7	risk	risk	NOUN
inlawrev-2352	66	8	so	so	ADV
inlawrev-2352	66	9	assumed	assume	VERB
inlawrev-2352	66	10	unless	unless	SCONJ
inlawrev-2352	66	11	the	the	DET
inlawrev-2352	66	12	applicant	applicant	NOUN
inlawrev-2352	66	13	is	be	AUX
inlawrev-2352	66	14	so	so	ADV
inlawrev-2352	66	15	notified	notify	VERB
inlawrev-2352	66	16	in	in	ADP
inlawrev-2352	66	17	his	his	PRON
inlawrev-2352	66	18	lifetime	lifetime	NOUN
inlawrev-2352	66	19	.	.	PUNCT
inlawrev-2352	66	20	^^	^^	PUNCT
inlawrev-2352	67	1	the	the	DET
inlawrev-2352	67	2	condition	condition	NOUN
inlawrev-2352	67	3	precedent	precedent	NOUN
inlawrev-2352	67	4	theory	theory	NOUN
inlawrev-2352	67	5	allows	allow	VERB
inlawrev-2352	67	6	insurers	insurer	NOUN
inlawrev-2352	67	7	who	who	PRON
inlawrev-2352	67	8	use	use	VERB
inlawrev-2352	67	9	the	the	DET
inlawrev-2352	67	10	"	"	PUNCT
inlawrev-2352	67	11	insurability"^^	insurability"^^	NOUN
inlawrev-2352	67	12	receipt	receipt	NOUN
inlawrev-2352	67	13	to	to	PART
inlawrev-2352	67	14	avoid	avoid	VERB
inlawrev-2352	67	15	liability	liability	NOUN
inlawrev-2352	67	16	on	on	ADP
inlawrev-2352	67	17	uninsurable	uninsurable	ADJ
inlawrev-2352	67	18	risks	risk	NOUN
inlawrev-2352	67	19	.	.	PUNCT
inlawrev-2352	68	1	in	in	ADP
inlawrev-2352	68	2	a	a	DET
inlawrev-2352	68	3	case	case	NOUN
inlawrev-2352	68	4	in	in	ADP
inlawrev-2352	68	5	which	which	PRON
inlawrev-2352	68	6	the	the	DET
inlawrev-2352	68	7	applicant	applicant	NOUN
inlawrev-2352	68	8	dies	die	VERB
inlawrev-2352	68	9	before	before	SCONJ
inlawrev-2352	68	10	the	the	DET
inlawrev-2352	68	11	company	company	NOUN
inlawrev-2352	68	12	can	can	AUX
inlawrev-2352	68	13	reject	reject	VERB
inlawrev-2352	68	14	the	the	DET
inlawrev-2352	68	15	application	application	NOUN
inlawrev-2352	68	16	,	,	PUNCT
inlawrev-2352	68	17	the	the	DET
inlawrev-2352	68	18	company	company	NOUN
inlawrev-2352	68	19	can	can	AUX
inlawrev-2352	68	20	continue	continue	VERB
inlawrev-2352	68	21	its	its	PRON
inlawrev-2352	68	22	investigation	investigation	NOUN
inlawrev-2352	68	23	to	to	PART
inlawrev-2352	68	24	determine	determine	VERB
inlawrev-2352	68	25	if	if	SCONJ
inlawrev-2352	68	26	the	the	DET
inlawrev-2352	68	27	applicant	applicant	NOUN
inlawrev-2352	68	28	was	be	AUX
inlawrev-2352	68	29	insurable	insurable	ADJ
inlawrev-2352	68	30	"	"	PUNCT
inlawrev-2352	68	31	at	at	ADP
inlawrev-2352	68	32	the	the	DET
inlawrev-2352	68	33	time	time	NOUN
inlawrev-2352	68	34	the	the	DET
inlawrev-2352	68	35	receipt	receipt	NOUN
inlawrev-2352	68	36	was	be	AUX
inlawrev-2352	68	37	given	give	VERB
inlawrev-2352	68	38	.	.	PUNCT
inlawrev-2352	69	1	if	if	SCONJ
inlawrev-2352	69	2	the	the	DET
inlawrev-2352	69	3	applicant	applicant	NOUN
inlawrev-2352	69	4	is	be	AUX
inlawrev-2352	69	5	found	find	VERB
inlawrev-2352	69	6	to	to	PART
inlawrev-2352	69	7	have	have	AUX
inlawrev-2352	69	8	been	be	AUX
inlawrev-2352	69	9	insurable	insurable	ADJ
inlawrev-2352	69	10	,	,	PUNCT
inlawrev-2352	69	11	the	the	DET
inlawrev-2352	69	12	condition	condition	NOUN
inlawrev-2352	69	13	precedent	precedent	NOUN
inlawrev-2352	69	14	would	would	AUX
inlawrev-2352	69	15	be	be	AUX
inlawrev-2352	69	16	satisfied	satisfied	ADJ
inlawrev-2352	69	17	and	and	CCONJ
inlawrev-2352	69	18	the	the	DET
inlawrev-2352	69	19	contract	contract	NOUN
inlawrev-2352	69	20	completed	complete	VERB
inlawrev-2352	69	21	.	.	PUNCT
inlawrev-2352	70	1	if	if	SCONJ
inlawrev-2352	70	2	he	he	PRON
inlawrev-2352	70	3	is	be	AUX
inlawrev-2352	70	4	found	find	VERB
inlawrev-2352	70	5	not	not	PART
inlawrev-2352	70	6	to	to	PART
inlawrev-2352	70	7	have	have	AUX
inlawrev-2352	70	8	been	be	AUX
inlawrev-2352	70	9	insurable	insurable	ADJ
inlawrev-2352	70	10	,	,	PUNCT
inlawrev-2352	70	11	the	the	DET
inlawrev-2352	70	12	condition	condition	NOUN
inlawrev-2352	70	13	would	would	AUX
inlawrev-2352	70	14	not	not	PART
inlawrev-2352	70	15	be	be	AUX
inlawrev-2352	70	16	met	meet	VERB
inlawrev-2352	70	17	and	and	CCONJ
inlawrev-2352	70	18	no	no	DET
inlawrev-2352	70	19	contract	contract	NOUN
inlawrev-2352	70	20	would	would	AUX
inlawrev-2352	70	21	have	have	AUX
inlawrev-2352	70	22	been	be	AUX
inlawrev-2352	70	23	formed	form	VERB
inlawrev-2352	70	24	.	.	PUNCT
inlawrev-2352	71	1	the	the	DET
inlawrev-2352	71	2	kaiser	kaiser	PROPN
inlawrev-2352	71	3	decision	decision	NOUN
inlawrev-2352	71	4	takes	take	VERB
inlawrev-2352	71	5	this	this	DET
inlawrev-2352	71	6	protection	protection	NOUN
inlawrev-2352	71	7	away	away	ADV
inlawrev-2352	71	8	from	from	ADP
inlawrev-2352	71	9	the	the	DET
inlawrev-2352	71	10	insurer	insurer	NOUN
inlawrev-2352	71	11	.	.	PUNCT
inlawrev-2352	72	1	the	the	DET
inlawrev-2352	72	2	condition	condition	NOUN
inlawrev-2352	72	3	subsequent	subsequent	ADJ
inlawrev-2352	72	4	theory	theory	NOUN
inlawrev-2352	72	5	means	mean	VERB
inlawrev-2352	72	6	that	that	SCONJ
inlawrev-2352	72	7	the	the	DET
inlawrev-2352	72	8	contract	contract	NOUN
inlawrev-2352	72	9	is	be	AUX
inlawrev-2352	72	10	formed	form	VERB
inlawrev-2352	72	11	as	as	ADP
inlawrev-2352	72	12	of	of	ADP
inlawrev-2352	72	13	the	the	DET
inlawrev-2352	72	14	date	date	NOUN
inlawrev-2352	72	15	specified	specify	VERB
inlawrev-2352	72	16	in	in	ADP
inlawrev-2352	72	17	the	the	DET
inlawrev-2352	72	18	receipt	receipt	NOUN
inlawrev-2352	72	19	.	.	PUNCT
inlawrev-2352	73	1	as	as	ADP
inlawrev-2352	73	2	a	a	DET
inlawrev-2352	73	3	result	result	NOUN
inlawrev-2352	73	4	,	,	PUNCT
inlawrev-2352	73	5	the	the	DET
inlawrev-2352	73	6	company	company	NOUN
inlawrev-2352	73	7	may	may	AUX
inlawrev-2352	73	8	find	find	VERB
inlawrev-2352	73	9	itself	itself	PRON
inlawrev-2352	73	10	bound	bind	VERB
inlawrev-2352	73	11	on	on	ADP
inlawrev-2352	73	12	an	an	DET
inlawrev-2352	73	13	unacceptable	unacceptable	ADJ
inlawrev-2352	73	14	risk	risk	NOUN
inlawrev-2352	73	15	with	with	ADP
inlawrev-2352	73	16	insufficient	insufficient	ADJ
inlawrev-2352	73	17	opportunity	opportunity	NOUN
inlawrev-2352	73	18	to	to	PART
inlawrev-2352	73	19	reject	reject	VERB
inlawrev-2352	73	20	the	the	DET
inlawrev-2352	73	21	application	application	NOUN
inlawrev-2352	73	22	before	before	ADP
inlawrev-2352	73	23	the	the	DET
inlawrev-2352	73	24	death	death	NOUN
inlawrev-2352	73	25	of	of	ADP
inlawrev-2352	73	26	the	the	DET
inlawrev-2352	73	27	applicant	applicant	NOUN
inlawrev-2352	73	28	.	.	PUNCT
inlawrev-2352	74	1	prudential	prudential	PROPN
inlawrev-2352	74	2	insurance	insurance	PROPN
inlawrev-2352	74	3	co.	co.	PROPN
inlawrev-2352	74	4	of	of	ADP
inlawrev-2352	74	5	america	america	PROPN
inlawrev-2352	74	6	v.	v.	PROPN
inlawrev-2352	74	7	lamme,^^	lamme,^^	PROPN
inlawrev-2352	74	8	which	which	PRON
inlawrev-2352	74	9	kaiser	kaiser	PROPN
inlawrev-2352	74	10	relied	rely	VERB
inlawrev-2352	74	11	upon	upon	SCONJ
inlawrev-2352	74	12	,	,	PUNCT
inlawrev-2352	74	13	arose	arise	VERB
inlawrev-2352	74	14	out	out	ADP
inlawrev-2352	74	15	of	of	ADP
inlawrev-2352	74	16	a	a	DET
inlawrev-2352	74	17	similar	similar	ADJ
inlawrev-2352	74	18	set	set	NOUN
inlawrev-2352	74	19	of	of	ADP
inlawrev-2352	74	20	facts	fact	NOUN
inlawrev-2352	74	21	.	.	PUNCT
inlawrev-2352	75	1	prudential	prudential	PROPN
inlawrev-2352	75	2	insurance	insurance	PROPN
inlawrev-2352	75	3	company	company	NOUN
inlawrev-2352	75	4	had	have	AUX
inlawrev-2352	75	5	received	receive	VERB
inlawrev-2352	75	6	part	part	NOUN
inlawrev-2352	75	7	i	i	PRON
inlawrev-2352	75	8	of	of	ADP
inlawrev-2352	75	9	the	the	DET
inlawrev-2352	75	10	application	application	NOUN
inlawrev-2352	75	11	from	from	ADP
inlawrev-2352	75	12	richard	richard	NOUN
inlawrev-2352	75	13	lamme	lamme	PROPN
inlawrev-2352	75	14	requesting	request	VERB
inlawrev-2352	75	15	$	$	SYM
inlawrev-2352	75	16	25,000	25,000	NUM
inlawrev-2352	75	17	of	of	ADP
inlawrev-2352	75	18	life	life	NOUN
inlawrev-2352	75	19	insurance	insurance	NOUN
inlawrev-2352	75	20	.	.	PUNCT
inlawrev-2352	76	1	the	the	DET
inlawrev-2352	76	2	company	company	NOUN
inlawrev-2352	76	3	had	have	AUX
inlawrev-2352	76	4	accepted	accept	VERB
inlawrev-2352	76	5	$	$	SYM
inlawrev-2352	76	6	52.64	52.64	NUM
inlawrev-2352	76	7	,	,	PUNCT
inlawrev-2352	76	8	which	which	PRON
inlawrev-2352	76	9	amounted	amount	VERB
inlawrev-2352	76	10	to	to	ADP
inlawrev-2352	76	11	the	the	DET
inlawrev-2352	76	12	first	first	ADJ
inlawrev-2352	76	13	quarterly	quarterly	ADJ
inlawrev-2352	76	14	premium	premium	NOUN
inlawrev-2352	76	15	for	for	ADP
inlawrev-2352	76	16	the	the	DET
inlawrev-2352	76	17	policy	policy	NOUN
inlawrev-2352	76	18	,	,	PUNCT
inlawrev-2352	76	19	and	and	CCONJ
inlawrev-2352	76	20	had	have	AUX
inlawrev-2352	76	21	given	give	VERB
inlawrev-2352	76	22	a	a	DET
inlawrev-2352	76	23	conditional	conditional	ADJ
inlawrev-2352	76	24	receipt	receipt	NOUN
inlawrev-2352	76	25	to	to	ADP
inlawrev-2352	76	26	him	he	PRON
inlawrev-2352	76	27	which	which	PRON
inlawrev-2352	76	28	stated	state	VERB
inlawrev-2352	76	29	in	in	ADP
inlawrev-2352	76	30	part	part	NOUN
inlawrev-2352	76	31	:	:	PUNCT
inlawrev-2352	76	32	if	if	SCONJ
inlawrev-2352	76	33	the	the	DET
inlawrev-2352	76	34	required	require	VERB
inlawrev-2352	76	35	and	and	CCONJ
inlawrev-2352	76	36	completed	complete	VERB
inlawrev-2352	76	37	part	part	NOUN
inlawrev-2352	76	38	i	i	PRON
inlawrev-2352	76	39	and	and	CCONJ
inlawrev-2352	76	40	the	the	DET
inlawrev-2352	76	41	required	require	VERB
inlawrev-2352	76	42	and	and	CCONJ
inlawrev-2352	76	43	completed	complete	VERB
inlawrev-2352	76	44	part	part	PROPN
inlawrev-2352	76	45	ii	ii	NOUN
inlawrev-2352	76	46	of	of	ADP
inlawrev-2352	76	47	the	the	DET
inlawrev-2352	76	48	application	application	NOUN
inlawrev-2352	76	49	and	and	CCONJ
inlawrev-2352	76	50	such	such	ADJ
inlawrev-2352	76	51	other	other	ADJ
inlawrev-2352	76	52	information	information	NOUN
inlawrev-2352	76	53	as	as	SCONJ
inlawrev-2352	76	54	may	may	AUX
inlawrev-2352	76	55	be	be	AUX
inlawrev-2352	76	56	required	require	VERB
inlawrev-2352	76	57	by	by	ADP
inlawrev-2352	76	58	the	the	DET
inlawrev-2352	76	59	company	company	NOUN
inlawrev-2352	76	60	are	be	AUX
inlawrev-2352	76	61	received	receive	VERB
inlawrev-2352	76	62	by	by	ADP
inlawrev-2352	76	63	the	the	DET
inlawrev-2352	76	64	company	company	NOUN
inlawrev-2352	76	65	at	at	ADP
inlawrev-2352	76	66	one	one	NUM
inlawrev-2352	76	67	of	of	ADP
inlawrev-2352	76	68	its	its	PRON
inlawrev-2352	76	69	home	home	NOUN
inlawrev-2352	76	70	offices	office	NOUN
inlawrev-2352	76	71	,	,	PUNCT
inlawrev-2352	76	72	and	and	CCONJ
inlawrev-2352	76	73	if	if	SCONJ
inlawrev-2352	76	74	the	the	DET
inlawrev-2352	76	75	company	company	NOUN
inlawrev-2352	76	76	^^339	^^339	PUNCT
inlawrev-2352	76	77	n.e.2d	n.e.2d	NOUN
inlawrev-2352	76	78	at	at	ADP
inlawrev-2352	76	79	604	604	NUM
inlawrev-2352	76	80	.	.	PUNCT
inlawrev-2352	77	1	^*see	^*see	PUNCT
inlawrev-2352	77	2	text	text	NOUN
inlawrev-2352	77	3	accompanying	accompanying	ADJ
inlawrev-2352	77	4	note	note	NOUN
inlawrev-2352	77	5	34	34	NUM
inlawrev-2352	77	6	infra	infra	NOUN
inlawrev-2352	77	7	.	.	PUNCT
inlawrev-2352	78	1	'	'	PUNCT
inlawrev-2352	78	2	insurability	insurability	NOUN
inlawrev-2352	78	3	can	can	AUX
inlawrev-2352	78	4	be	be	AUX
inlawrev-2352	78	5	an	an	DET
inlawrev-2352	78	6	elusive	elusive	ADJ
inlawrev-2352	78	7	concept	concept	NOUN
inlawrev-2352	78	8	,	,	PUNCT
inlawrev-2352	78	9	but	but	CCONJ
inlawrev-2352	78	10	as	as	SCONJ
inlawrev-2352	78	11	dean	dean	PROPN
inlawrev-2352	78	12	frandsen	frandsen	PROPN
inlawrev-2352	78	13	points	point	VERB
inlawrev-2352	78	14	out	out	ADP
inlawrev-2352	78	15	,	,	PUNCT
inlawrev-2352	78	16	courts	court	NOUN
inlawrev-2352	78	17	have	have	AUX
inlawrev-2352	78	18	recognized	recognize	VERB
inlawrev-2352	78	19	it	it	PRON
inlawrev-2352	78	20	:	:	PUNCT
inlawrev-2352	78	21	"	"	PUNCT
inlawrev-2352	78	22	'	'	PUNCT
inlawrev-2352	78	23	insurability	insurability	NOUN
inlawrev-2352	78	24	as	as	ADP
inlawrev-2352	78	25	a	a	DET
inlawrev-2352	78	26	term	term	NOUN
inlawrev-2352	78	27	of	of	ADP
inlawrev-2352	78	28	art	art	NOUN
inlawrev-2352	78	29	signifies	signify	VERB
inlawrev-2352	78	30	all	all	DET
inlawrev-2352	78	31	those	those	DET
inlawrev-2352	78	32	physical	physical	ADJ
inlawrev-2352	78	33	and	and	CCONJ
inlawrev-2352	78	34	moral	moral	ADJ
inlawrev-2352	78	35	factors	factor	NOUN
inlawrev-2352	78	36	reasonably	reasonably	ADV
inlawrev-2352	78	37	taken	take	VERB
inlawrev-2352	78	38	into	into	ADP
inlawrev-2352	78	39	consideration	consideration	NOUN
inlawrev-2352	78	40	by	by	ADP
inlawrev-2352	78	41	life	life	NOUN
inlawrev-2352	78	42	insurance	insurance	NOUN
inlawrev-2352	78	43	companies	company	NOUN
inlawrev-2352	78	44	in	in	ADP
inlawrev-2352	78	45	determining	determine	VERB
inlawrev-2352	78	46	coverage	coverage	NOUN
inlawrev-2352	78	47	or	or	CCONJ
inlawrev-2352	78	48	matters	matter	NOUN
inlawrev-2352	78	49	affecting	affect	VERB
inlawrev-2352	78	50	the	the	DET
inlawrev-2352	78	51	risk	risk	NOUN
inlawrev-2352	78	52	.	.	PUNCT
inlawrev-2352	78	53	'	'	PUNCT
inlawrev-2352	79	1	"	"	PUNCT
inlawrev-2352	79	2	frandsen	frandsen	ADJ
inlawrev-2352	79	3	,	,	PUNCT
inlawrev-2352	79	4	insurance	insurance	NOUN
inlawrev-2352	79	5	,	,	PUNCT
inlawrev-2352	79	6	1976	1976	NUM
inlawrev-2352	79	7	survey	survey	NOUN
inlawrev-2352	79	8	of	of	ADP
inlawrev-2352	79	9	recent	recent	ADJ
inlawrev-2352	79	10	developments	development	NOUN
inlawrev-2352	79	11	in	in	ADP
inlawrev-2352	79	12	indiana	indiana	PROPN
inlawrev-2352	79	13	law	law	PROPN
inlawrev-2352	79	14	,	,	PUNCT
inlawrev-2352	79	15	10	10	NUM
inlawrev-2352	79	16	ind	ind	NOUN
inlawrev-2352	79	17	.	.	PUNCT
inlawrev-2352	80	1	l.	l.	PROPN
inlawrev-2352	80	2	rev	rev	PROPN
inlawrev-2352	80	3	.	.	PROPN
inlawrev-2352	80	4	243	243	NUM
inlawrev-2352	80	5	,	,	PUNCT
inlawrev-2352	80	6	256	256	NUM
inlawrev-2352	80	7	n.61	n.61	NOUN
inlawrev-2352	80	8	(	(	PUNCT
inlawrev-2352	80	9	1976	1976	NUM
inlawrev-2352	80	10	)	)	PUNCT
inlawrev-2352	80	11	(	(	PUNCT
inlawrev-2352	80	12	quoting	quote	VERB
inlawrev-2352	80	13	rosenbloom	rosenbloom	NOUN
inlawrev-2352	80	14	v.	v.	ADP
inlawrev-2352	80	15	new	new	PROPN
inlawrev-2352	80	16	york	york	PROPN
inlawrev-2352	80	17	life	life	PROPN
inlawrev-2352	80	18	ins	ins	PROPN
inlawrev-2352	80	19	.	.	PUNCT
inlawrev-2352	80	20	co.	co.	PROPN
inlawrev-2352	80	21	,	,	PUNCT
inlawrev-2352	80	22	65	65	NUM
inlawrev-2352	80	23	f.	f.	PROPN
inlawrev-2352	80	24	supp	supp	PROPN
inlawrev-2352	80	25	.	.	PUNCT
inlawrev-2352	81	1	692	692	NUM
inlawrev-2352	81	2	,	,	PUNCT
inlawrev-2352	81	3	696	696	NUM
inlawrev-2352	81	4	(	(	PUNCT
inlawrev-2352	81	5	w.d	w.d	PROPN
inlawrev-2352	81	6	.	.	PROPN
inlawrev-2352	81	7	mo	mo	PROPN
inlawrev-2352	81	8	.	.	PROPN
inlawrev-2352	81	9	1946	1946	NUM
inlawrev-2352	81	10	)	)	PUNCT
inlawrev-2352	81	11	)	)	PUNCT
inlawrev-2352	81	12	.	.	PUNCT
inlawrev-2352	82	1	'	'	PUNCT
inlawrev-2352	82	2	«	«	PUNCT
inlawrev-2352	82	3	83	83	NUM
inlawrev-2352	82	4	nev	nev	NOUN
inlawrev-2352	82	5	.	.	PROPN
inlawrev-2352	82	6	146	146	NUM
inlawrev-2352	82	7	,	,	PUNCT
inlawrev-2352	82	8	425	425	NUM
inlawrev-2352	82	9	p.2d	p.2d	SYM
inlawrev-2352	82	10	346	346	NUM
inlawrev-2352	82	11	(	(	PUNCT
inlawrev-2352	82	12	1967	1967	NUM
inlawrev-2352	82	13	)	)	PUNCT
inlawrev-2352	82	14	.	.	PUNCT
inlawrev-2352	83	1	1979	1979	NUM
inlawrev-2352	83	2	]	]	PUNCT
inlawrev-2352	83	3	conditional	conditional	ADJ
inlawrev-2352	83	4	receipts	receipt	NOUN
inlawrev-2352	83	5	781	781	NUM
inlawrev-2352	83	6	after	after	SCONJ
inlawrev-2352	83	7	the	the	DET
inlawrev-2352	83	8	receipt	receipt	NOUN
inlawrev-2352	83	9	thereof	thereof	ADV
inlawrev-2352	83	10	determines	determine	VERB
inlawrev-2352	83	11	to	to	ADP
inlawrev-2352	83	12	its	its	PRON
inlawrev-2352	83	13	satisfaction	satisfaction	NOUN
inlawrev-2352	83	14	that	that	SCONJ
inlawrev-2352	83	15	the	the	DET
inlawrev-2352	83	16	proposed	propose	VERB
inlawrev-2352	83	17	insured	insure	VERB
inlawrev-2352	83	18	was	be	AUX
inlawrev-2352	83	19	insurable	insurable	ADJ
inlawrev-2352	83	20	on	on	ADP
inlawrev-2352	83	21	the	the	DET
inlawrev-2352	83	22	later	later	NOUN
inlawrev-2352	83	23	of	of	ADP
inlawrev-2352	83	24	the	the	DET
inlawrev-2352	83	25	dates	date	NOUN
inlawrev-2352	83	26	of	of	ADP
inlawrev-2352	83	27	said	say	VERB
inlawrev-2352	83	28	parts	part	NOUN
inlawrev-2352	83	29	i	i	PROPN
inlawrev-2352	83	30	and	and	CCONJ
inlawrev-2352	83	31	ii	ii	PROPN
inlawrev-2352	83	32	.	.	PUNCT
inlawrev-2352	83	33	.	.	PUNCT
inlawrev-2352	83	34	.	.	PUNCT
inlawrev-2352	84	1	}	}	PUNCT
inlawrev-2352	84	2	^	^	PUNCT
inlawrev-2352	84	3	richard	richard	PROPN
inlawrev-2352	84	4	lamme	lamme	PROPN
inlawrev-2352	84	5	died	die	VERB
inlawrev-2352	84	6	of	of	ADP
inlawrev-2352	84	7	a	a	DET
inlawrev-2352	84	8	heart	heart	NOUN
inlawrev-2352	84	9	attack	attack	NOUN
inlawrev-2352	84	10	seven	seven	NUM
inlawrev-2352	84	11	weeks	week	NOUN
inlawrev-2352	84	12	after	after	SCONJ
inlawrev-2352	84	13	part	part	NOUN
inlawrev-2352	84	14	i	i	PRON
inlawrev-2352	84	15	of	of	ADP
inlawrev-2352	84	16	the	the	DET
inlawrev-2352	84	17	application	application	NOUN
inlawrev-2352	84	18	had	have	AUX
inlawrev-2352	84	19	been	be	AUX
inlawrev-2352	84	20	submitted	submit	VERB
inlawrev-2352	84	21	to	to	ADP
inlawrev-2352	84	22	the	the	DET
inlawrev-2352	84	23	company	company	NOUN
inlawrev-2352	84	24	but	but	CCONJ
inlawrev-2352	84	25	before	before	SCONJ
inlawrev-2352	84	26	he	he	PRON
inlawrev-2352	84	27	had	have	AUX
inlawrev-2352	84	28	taken	take	VERB
inlawrev-2352	84	29	a	a	DET
inlawrev-2352	84	30	medical	medical	ADJ
inlawrev-2352	84	31	examination	examination	NOUN
inlawrev-2352	84	32	which	which	PRON
inlawrev-2352	84	33	would	would	AUX
inlawrev-2352	84	34	have	have	AUX
inlawrev-2352	84	35	been	be	AUX
inlawrev-2352	84	36	part	part	NOUN
inlawrev-2352	84	37	ii	ii	NOUN
inlawrev-2352	84	38	of	of	ADP
inlawrev-2352	84	39	the	the	DET
inlawrev-2352	84	40	application	application	NOUN
inlawrev-2352	84	41	.	.	PUNCT
inlawrev-2352	85	1	the	the	DET
inlawrev-2352	85	2	court	court	NOUN
inlawrev-2352	85	3	,	,	PUNCT
inlawrev-2352	85	4	recognizing	recognize	VERB
inlawrev-2352	85	5	that	that	SCONJ
inlawrev-2352	85	6	the	the	DET
inlawrev-2352	85	7	condition	condition	NOUN
inlawrev-2352	85	8	of	of	ADP
inlawrev-2352	85	9	insurability	insurability	NOUN
inlawrev-2352	85	10	had	have	AUX
inlawrev-2352	85	11	been	be	AUX
inlawrev-2352	85	12	a	a	DET
inlawrev-2352	85	13	significant	significant	ADJ
inlawrev-2352	85	14	factor	factor	NOUN
inlawrev-2352	85	15	in	in	ADP
inlawrev-2352	85	16	similar	similar	ADJ
inlawrev-2352	85	17	cases	case	NOUN
inlawrev-2352	85	18	,	,	PUNCT
inlawrev-2352	85	19	stated	state	VERB
inlawrev-2352	85	20	:	:	PUNCT
inlawrev-2352	85	21	"	"	PUNCT
inlawrev-2352	85	22	[	[	X
inlawrev-2352	85	23	m]ost	m]ost	NOUN
inlawrev-2352	85	24	courts	court	NOUN
inlawrev-2352	85	25	have	have	AUX
inlawrev-2352	85	26	found	find	VERB
inlawrev-2352	85	27	the	the	DET
inlawrev-2352	85	28	insurance	insurance	NOUN
inlawrev-2352	85	29	company	company	NOUN
inlawrev-2352	85	30	liable	liable	ADJ
inlawrev-2352	85	31	to	to	ADP
inlawrev-2352	85	32	the	the	DET
inlawrev-2352	85	33	beneficiary	beneficiary	NOUN
inlawrev-2352	85	34	.	.	PUNCT
inlawrev-2352	85	35	.	.	PUNCT
inlawrev-2352	85	36	.	.	PUNCT
inlawrev-2352	86	1	if	if	SCONJ
inlawrev-2352	86	2	the	the	DET
inlawrev-2352	86	3	applicant	applicant	NOUN
inlawrev-2352	86	4	was	be	AUX
inlawrev-2352	86	5	found	find	VERB
inlawrev-2352	86	6	to	to	PART
inlawrev-2352	86	7	have	have	AUX
inlawrev-2352	86	8	been	be	AUX
inlawrev-2352	86	9	an	an	DET
inlawrev-2352	86	10	insurable	insurable	ADJ
inlawrev-2352	86	11	risk	risk	NOUN
inlawrev-2352	86	12	at	at	ADP
inlawrev-2352	86	13	the	the	DET
inlawrev-2352	86	14	time	time	NOUN
inlawrev-2352	86	15	of	of	ADP
inlawrev-2352	86	16	the	the	DET
inlawrev-2352	86	17	medical	medical	ADJ
inlawrev-2352	86	18	examination	examination	NOUN
inlawrev-2352	86	19	.	.	PUNCT
inlawrev-2352	87	1	"^	"^	PUNCT
inlawrev-2352	87	2	"	"	PUNCT
inlawrev-2352	87	3	prudential	prudential	PROPN
inlawrev-2352	87	4	argued	argue	VERB
inlawrev-2352	87	5	that	that	SCONJ
inlawrev-2352	87	6	"	"	PUNCT
inlawrev-2352	87	7	the	the	DET
inlawrev-2352	87	8	medical	medical	ADJ
inlawrev-2352	87	9	examination	examination	NOUN
inlawrev-2352	87	10	required	require	VERB
inlawrev-2352	87	11	by	by	ADP
inlawrev-2352	87	12	part	part	NOUN
inlawrev-2352	87	13	ii	ii	PROPN
inlawrev-2352	87	14	of	of	ADP
inlawrev-2352	87	15	the	the	DET
inlawrev-2352	87	16	application	application	NOUN
inlawrev-2352	87	17	for	for	ADP
inlawrev-2352	87	18	insurance	insurance	NOUN
inlawrev-2352	87	19	is	be	AUX
inlawrev-2352	87	20	a	a	DET
inlawrev-2352	87	21	condition	condition	NOUN
inlawrev-2352	87	22	precedent	precedent	NOUN
inlawrev-2352	87	23	to	to	ADP
inlawrev-2352	87	24	liability	liability	NOUN
inlawrev-2352	87	25	;	;	PUNCT
inlawrev-2352	87	26	that	that	SCONJ
inlawrev-2352	87	27	insurability	insurability	NOUN
inlawrev-2352	87	28	can	can	AUX
inlawrev-2352	87	29	not	not	PART
inlawrev-2352	87	30	fairly	fairly	ADV
inlawrev-2352	87	31	be	be	AUX
inlawrev-2352	87	32	determined	determine	VERB
inlawrev-2352	87	33	without	without	ADP
inlawrev-2352	87	34	such	such	ADJ
inlawrev-2352	87	35	examination	examination	NOUN
inlawrev-2352	87	36	.	.	PUNCT
inlawrev-2352	88	1	"^^	"^^	PROPN
inlawrev-2352	88	2	the	the	DET
inlawrev-2352	88	3	court	court	NOUN
inlawrev-2352	88	4	rejected	reject	VERB
inlawrev-2352	88	5	this	this	DET
inlawrev-2352	88	6	"	"	PUNCT
inlawrev-2352	88	7	strict	strict	ADJ
inlawrev-2352	88	8	contract	contract	NOUN
inlawrev-2352	88	9	law"^^	law"^^	NOUN
inlawrev-2352	88	10	approach	approach	NOUN
inlawrev-2352	88	11	,	,	PUNCT
inlawrev-2352	88	12	adopting	adopt	VERB
inlawrev-2352	88	13	instead	instead	ADV
inlawrev-2352	88	14	the	the	DET
inlawrev-2352	88	15	policy	policy	NOUN
inlawrev-2352	88	16	approach	approach	NOUN
inlawrev-2352	88	17	of	of	ADP
inlawrev-2352	88	18	other	other	ADJ
inlawrev-2352	88	19	cases	case	NOUN
inlawrev-2352	88	20	which	which	PRON
inlawrev-2352	88	21	had	have	AUX
inlawrev-2352	88	22	dealt	deal	VERB
inlawrev-2352	88	23	with	with	ADP
inlawrev-2352	88	24	the	the	DET
inlawrev-2352	88	25	condition	condition	NOUN
inlawrev-2352	88	26	precedent	precedent	NOUN
inlawrev-2352	88	27	issue	issue	NOUN
inlawrev-2352	88	28	,	,	PUNCT
inlawrev-2352	88	29	notably	notably	ADV
inlawrev-2352	88	30	allen	allen	VERB
inlawrev-2352	88	31	v.	v.	ADP
inlawrev-2352	88	32	metropolitan	metropolitan	PROPN
inlawrev-2352	88	33	life	life	NOUN
inlawrev-2352	88	34	insurance	insurance	NOUN
inlawrev-2352	88	35	co.^^	co.^^	NOUN
inlawrev-2352	88	36	the	the	DET
inlawrev-2352	88	37	court	court	NOUN
inlawrev-2352	88	38	stated	state	VERB
inlawrev-2352	88	39	:	:	PUNCT
inlawrev-2352	88	40	a	a	DET
inlawrev-2352	88	41	conditional	conditional	ADJ
inlawrev-2352	88	42	receipt	receipt	NOUN
inlawrev-2352	88	43	tends	tend	VERB
inlawrev-2352	88	44	to	to	PART
inlawrev-2352	88	45	encourage	encourage	VERB
inlawrev-2352	88	46	deception	deception	NOUN
inlawrev-2352	88	47	.	.	PUNCT
inlawrev-2352	89	1	we	we	PRON
inlawrev-2352	89	2	do	do	AUX
inlawrev-2352	89	3	not	not	PART
inlawrev-2352	89	4	mean	mean	VERB
inlawrev-2352	89	5	to	to	PART
inlawrev-2352	89	6	imply	imply	VERB
inlawrev-2352	89	7	affirmative	affirmative	ADJ
inlawrev-2352	89	8	misconduct	misconduct	NOUN
inlawrev-2352	89	9	by	by	ADP
inlawrev-2352	89	10	the	the	DET
inlawrev-2352	89	11	soliciting	solicit	VERB
inlawrev-2352	89	12	insurance	insurance	NOUN
inlawrev-2352	89	13	agent	agent	NOUN
inlawrev-2352	89	14	.	.	PUNCT
inlawrev-2352	90	1	we	we	PRON
inlawrev-2352	90	2	suggest	suggest	VERB
inlawrev-2352	90	3	only	only	ADV
inlawrev-2352	90	4	that	that	SCONJ
inlawrev-2352	90	5	if	if	SCONJ
inlawrev-2352	90	6	nothing	nothing	PRON
inlawrev-2352	90	7	is	be	AUX
inlawrev-2352	90	8	said	say	VERB
inlawrev-2352	90	9	about	about	ADP
inlawrev-2352	90	10	the	the	DET
inlawrev-2352	90	11	complicated	complicated	ADJ
inlawrev-2352	90	12	and	and	CCONJ
inlawrev-2352	90	13	legalistic	legalistic	ADJ
inlawrev-2352	90	14	phrasing	phrasing	NOUN
inlawrev-2352	90	15	of	of	ADP
inlawrev-2352	90	16	the	the	DET
inlawrev-2352	90	17	receipt	receipt	NOUN
inlawrev-2352	90	18	,	,	PUNCT
inlawrev-2352	90	19	and	and	CCONJ
inlawrev-2352	90	20	the	the	DET
inlawrev-2352	90	21	agent	agent	NOUN
inlawrev-2352	90	22	accepts	accept	VERB
inlawrev-2352	90	23	an	an	DET
inlawrev-2352	90	24	application	application	NOUN
inlawrev-2352	90	25	for	for	ADP
inlawrev-2352	90	26	insurance	insurance	NOUN
inlawrev-2352	90	27	together	together	ADV
inlawrev-2352	90	28	with	with	ADP
inlawrev-2352	90	29	the	the	DET
inlawrev-2352	90	30	first	first	ADJ
inlawrev-2352	90	31	premium	premium	NOUN
inlawrev-2352	90	32	payment	payment	NOUN
inlawrev-2352	90	33	,	,	PUNCT
inlawrev-2352	90	34	the	the	DET
inlawrev-2352	90	35	applicant	applicant	NOUN
inlawrev-2352	90	36	has	have	VERB
inlawrev-2352	90	37	reason	reason	NOUN
inlawrev-2352	90	38	to	to	PART
inlawrev-2352	90	39	believe	believe	VERB
inlawrev-2352	90	40	that	that	SCONJ
inlawrev-2352	90	41	he	he	PRON
inlawrev-2352	90	42	is	be	AUX
inlawrev-2352	90	43	insured	insure	VERB
inlawrev-2352	90	44	.	.	PUNCT
inlawrev-2352	91	1	otherwise	otherwise	ADV
inlawrev-2352	91	2	,	,	PUNCT
inlawrev-2352	91	3	he	he	PRON
inlawrev-2352	91	4	is	be	AUX
inlawrev-2352	91	5	deceived.^^	deceived.^^	PUNCT
inlawrev-2352	91	6	based	base	VERB
inlawrev-2352	91	7	on	on	ADP
inlawrev-2352	91	8	this	this	DET
inlawrev-2352	91	9	assessment	assessment	NOUN
inlawrev-2352	91	10	of	of	ADP
inlawrev-2352	91	11	the	the	DET
inlawrev-2352	91	12	relative	relative	ADJ
inlawrev-2352	91	13	positions	position	NOUN
inlawrev-2352	91	14	of	of	ADP
inlawrev-2352	91	15	the	the	DET
inlawrev-2352	91	16	parties	party	NOUN
inlawrev-2352	91	17	,	,	PUNCT
inlawrev-2352	91	18	the	the	DET
inlawrev-2352	91	19	lamme	lamme	ADJ
inlawrev-2352	91	20	court	court	NOUN
inlawrev-2352	91	21	held	hold	VERB
inlawrev-2352	91	22	that	that	SCONJ
inlawrev-2352	91	23	a	a	DET
inlawrev-2352	91	24	temporary	temporary	ADJ
inlawrev-2352	91	25	insurance	insurance	NOUN
inlawrev-2352	91	26	contract	contract	NOUN
inlawrev-2352	91	27	was	be	AUX
inlawrev-2352	91	28	created	create	VERB
inlawrev-2352	91	29	,	,	PUNCT
inlawrev-2352	91	30	subject	subject	ADJ
inlawrev-2352	91	31	to	to	ADP
inlawrev-2352	91	32	the	the	DET
inlawrev-2352	91	33	company	company	NOUN
inlawrev-2352	91	34	's	's	PART
inlawrev-2352	91	35	rejection	rejection	NOUN
inlawrev-2352	91	36	of	of	ADP
inlawrev-2352	91	37	the	the	DET
inlawrev-2352	91	38	application,^^	application,^^	NOUN
inlawrev-2352	91	39	a	a	DET
inlawrev-2352	91	40	condition	condition	NOUN
inlawrev-2352	91	41	subsequent	subsequent	ADJ
inlawrev-2352	91	42	.	.	PUNCT
inlawrev-2352	92	1	the	the	DET
inlawrev-2352	92	2	court	court	NOUN
inlawrev-2352	92	3	realized	realize	VERB
inlawrev-2352	92	4	that	that	SCONJ
inlawrev-2352	92	5	this	this	DET
inlawrev-2352	92	6	construction	construction	NOUN
inlawrev-2352	92	7	could	could	AUX
inlawrev-2352	92	8	cause	cause	VERB
inlawrev-2352	92	9	some	some	DET
inlawrev-2352	92	10	hardship	hardship	NOUN
inlawrev-2352	92	11	to	to	ADP
inlawrev-2352	92	12	the	the	DET
inlawrev-2352	92	13	insurance	insurance	NOUN
inlawrev-2352	92	14	company	company	NOUN
inlawrev-2352	92	15	since	since	SCONJ
inlawrev-2352	92	16	uninsurable	uninsurable	ADJ
inlawrev-2352	92	17	applicants	applicant	NOUN
inlawrev-2352	92	18	could	could	AUX
inlawrev-2352	92	19	occasionally	occasionally	ADV
inlawrev-2352	92	20	obtain	obtain	VERB
inlawrev-2352	92	21	life	life	NOUN
inlawrev-2352	92	22	insurance,^	insurance,^	NOUN
inlawrev-2352	92	23	®	®	NOUN
inlawrev-2352	92	24	but	but	CCONJ
inlawrev-2352	92	25	it	it	PRON
inlawrev-2352	92	26	found	find	VERB
inlawrev-2352	92	27	this	this	DET
inlawrev-2352	92	28	possibility	possibility	NOUN
inlawrev-2352	92	29	unpersuasive	unpersuasive	ADJ
inlawrev-2352	92	30	:	:	PUNCT
inlawrev-2352	92	31	"	"	PUNCT
inlawrev-2352	92	32	[	[	X
inlawrev-2352	92	33	w]e	w]e	NOUN
inlawrev-2352	92	34	think	think	VERB
inlawrev-2352	92	35	that	that	SCONJ
inlawrev-2352	92	36	the	the	DET
inlawrev-2352	92	37	policy	policy	NOUN
inlawrev-2352	92	38	considerations	consideration	NOUN
inlawrev-2352	92	39	heretofore	heretofore	ADV
inlawrev-2352	92	40	expressed	express	VERB
inlawrev-2352	92	41	carry	carry	VERB
inlawrev-2352	92	42	the	the	DET
inlawrev-2352	92	43	greater	great	ADJ
inlawrev-2352	92	44	weight	weight	NOUN
inlawrev-2352	92	45	.	.	PUNCT
inlawrev-2352	93	1	the	the	DET
inlawrev-2352	93	2	life	life	NOUN
inlawrev-2352	93	3	insurance	insurance	NOUN
inlawrev-2352	93	4	''	''	PUNCT
inlawrev-2352	93	5	i	i	PROPN
inlawrev-2352	93	6	d.	d.	PROPN
inlawrev-2352	93	7	at	at	ADP
inlawrev-2352	93	8	148	148	NUM
inlawrev-2352	93	9	n.3	n.3	NOUN
inlawrev-2352	93	10	,	,	PUNCT
inlawrev-2352	93	11	425	425	NUM
inlawrev-2352	93	12	p.2d	p.2d	NOUN
inlawrev-2352	93	13	at	at	ADP
inlawrev-2352	93	14	347	347	NUM
inlawrev-2352	93	15	n.3	n.3	NOUN
inlawrev-2352	93	16	.	.	PUNCT
inlawrev-2352	93	17	'	'	PUNCT
inlawrev-2352	94	1	"	"	PUNCT
inlawrev-2352	94	2	i	i	PRON
inlawrev-2352	94	3	d.	d.	PROPN
inlawrev-2352	94	4	at	at	ADP
inlawrev-2352	94	5	148	148	NUM
inlawrev-2352	94	6	,	,	PUNCT
inlawrev-2352	94	7	425	425	NUM
inlawrev-2352	94	8	p.2d	p.2d	NOUN
inlawrev-2352	94	9	at	at	ADP
inlawrev-2352	94	10	347	347	NUM
inlawrev-2352	94	11	.	.	PUNCT
inlawrev-2352	95	1	"	"	PUNCT
inlawrev-2352	95	2	44	44	NUM
inlawrev-2352	95	3	n.j	n.j	PROPN
inlawrev-2352	95	4	.	.	PROPN
inlawrev-2352	95	5	294	294	NUM
inlawrev-2352	95	6	,	,	PUNCT
inlawrev-2352	95	7	208	208	NUM
inlawrev-2352	95	8	a.2d	a.2d	SYM
inlawrev-2352	95	9	638	638	NUM
inlawrev-2352	95	10	(	(	PUNCT
inlawrev-2352	95	11	1965	1965	NUM
inlawrev-2352	95	12	)	)	PUNCT
inlawrev-2352	95	13	.	.	PUNCT
inlawrev-2352	96	1	the	the	DET
inlawrev-2352	96	2	allen	allen	PROPN
inlawrev-2352	96	3	court	court	PROPN
inlawrev-2352	96	4	stated	state	VERB
inlawrev-2352	96	5	that	that	SCONJ
inlawrev-2352	96	6	insurance	insurance	NOUN
inlawrev-2352	96	7	policies	policy	NOUN
inlawrev-2352	96	8	"	"	PUNCT
inlawrev-2352	96	9	are	be	AUX
inlawrev-2352	96	10	not	not	PART
inlawrev-2352	96	11	ordinary	ordinary	ADJ
inlawrev-2352	96	12	contracts	contract	NOUN
inlawrev-2352	96	13	,	,	PUNCT
inlawrev-2352	96	14	but	but	CCONJ
inlawrev-2352	96	15	are	be	AUX
inlawrev-2352	96	16	'	'	PUNCT
inlawrev-2352	96	17	contracts	contract	NOUN
inlawrev-2352	96	18	of	of	ADP
inlawrev-2352	96	19	adhesion	adhesion	NOUN
inlawrev-2352	96	20	'	'	PUNCT
inlawrev-2352	96	21	between	between	ADP
inlawrev-2352	96	22	parties	party	NOUN
inlawrev-2352	96	23	not	not	PART
inlawrev-2352	96	24	similarly	similarly	ADV
inlawrev-2352	96	25	situated	situate	VERB
inlawrev-2352	96	26	.	.	PUNCT
inlawrev-2352	96	27	"	"	PUNCT
inlawrev-2352	97	1	i	i	PRON
inlawrev-2352	97	2	d.	d.	PROPN
inlawrev-2352	97	3	at	at	ADP
inlawrev-2352	97	4	305	305	NUM
inlawrev-2352	97	5	,	,	PUNCT
inlawrev-2352	97	6	208	208	NUM
inlawrev-2352	97	7	a.2d	a.2d	PUNCT
inlawrev-2352	97	8	at	at	ADP
inlawrev-2352	97	9	644	644	NUM
inlawrev-2352	97	10	.	.	PUNCT
inlawrev-2352	98	1	^'83	^'83	PROPN
inlawrev-2352	98	2	nev	nev	PROPN
inlawrev-2352	98	3	.	.	PROPN
inlawrev-2352	99	1	at	at	ADP
inlawrev-2352	99	2	149	149	NUM
inlawrev-2352	99	3	,	,	PUNCT
inlawrev-2352	99	4	425	425	NUM
inlawrev-2352	99	5	p.2d	p.2d	PUNCT
inlawrev-2352	99	6	at	at	ADP
inlawrev-2352	99	7	347	347	NUM
inlawrev-2352	99	8	-	-	SYM
inlawrev-2352	99	9	48	48	NUM
inlawrev-2352	99	10	.	.	PUNCT
inlawrev-2352	99	11	^ud	^ud	PROPN
inlawrev-2352	99	12	.	.	PROPN
inlawrev-2352	99	13	,	,	PUNCT
inlawrev-2352	99	14	425	425	NUM
inlawrev-2352	99	15	p.2d	p.2d	PUNCT
inlawrev-2352	99	16	at	at	ADP
inlawrev-2352	99	17	348	348	NUM
inlawrev-2352	99	18	.	.	PUNCT
inlawrev-2352	100	1	782	782	NUM
inlawrev-2352	100	2	indiana	indiana	PROPN
inlawrev-2352	100	3	law	law	PROPN
inlawrev-2352	100	4	review	review	NOUN
inlawrev-2352	100	5	[	[	X
inlawrev-2352	100	6	vol	vol	NOUN
inlawrev-2352	100	7	.	.	PUNCT
inlawrev-2352	101	1	12:777	12:777	NUM
inlawrev-2352	101	2	companies	company	NOUN
inlawrev-2352	101	3	may	may	AUX
inlawrev-2352	101	4	still	still	ADV
inlawrev-2352	101	5	write	write	VERB
inlawrev-2352	101	6	'	'	PUNCT
inlawrev-2352	101	7	cod	cod	NOUN
inlawrev-2352	101	8	'	'	PUNCT
inlawrev-2352	101	9	insurance	insurance	NOUN
inlawrev-2352	101	10	,	,	PUNCT
inlawrev-2352	101	11	or	or	CCONJ
inlawrev-2352	101	12	.	.	PUNCT
inlawrev-2352	101	13	.	.	PUNCT
inlawrev-2352	101	14	.	.	PUNCT
inlawrev-2352	102	1	choose	choose	VERB
inlawrev-2352	102	2	to	to	PART
inlawrev-2352	102	3	assume	assume	VERB
inlawrev-2352	102	4	the	the	DET
inlawrev-2352	102	5	risk	risk	NOUN
inlawrev-2352	102	6	sometimes	sometimes	ADV
inlawrev-2352	102	7	involved	involve	VERB
inlawrev-2352	102	8	in	in	ADP
inlawrev-2352	102	9	the	the	DET
inlawrev-2352	102	10	use	use	NOUN
inlawrev-2352	102	11	of	of	ADP
inlawrev-2352	102	12	the	the	DET
inlawrev-2352	102	13	conditional	conditional	ADJ
inlawrev-2352	102	14	receipt	receipt	NOUN
inlawrev-2352	102	15	.	.	PUNCT
inlawrev-2352	103	1	"	"	PUNCT
inlawrev-2352	103	2	"	"	PUNCT
inlawrev-2352	103	3	the	the	DET
inlawrev-2352	103	4	decision	decision	NOUN
inlawrev-2352	103	5	of	of	ADP
inlawrev-2352	103	6	the	the	DET
inlawrev-2352	103	7	nevada	nevada	PROPN
inlawrev-2352	103	8	court	court	PROPN
inlawrev-2352	103	9	thus	thus	ADV
inlawrev-2352	103	10	appears	appear	VERB
inlawrev-2352	103	11	to	to	PART
inlawrev-2352	103	12	have	have	AUX
inlawrev-2352	103	13	been	be	AUX
inlawrev-2352	103	14	grounded	ground	VERB
inlawrev-2352	103	15	on	on	ADP
inlawrev-2352	103	16	public	public	ADJ
inlawrev-2352	103	17	policy	policy	NOUN
inlawrev-2352	103	18	:	:	PUNCT
inlawrev-2352	103	19	insurers	insurer	NOUN
inlawrev-2352	103	20	may	may	AUX
inlawrev-2352	103	21	not	not	PART
inlawrev-2352	103	22	use	use	VERB
inlawrev-2352	103	23	complex	complex	ADJ
inlawrev-2352	103	24	,	,	PUNCT
inlawrev-2352	103	25	legalistically	legalistically	ADV
inlawrev-2352	103	26	phrased	phrase	VERB
inlawrev-2352	103	27	receipts	receipt	NOUN
inlawrev-2352	103	28	to	to	PART
inlawrev-2352	103	29	avoid	avoid	VERB
inlawrev-2352	103	30	liability	liability	NOUN
inlawrev-2352	103	31	.	.	PUNCT
inlawrev-2352	104	1	a	a	DET
inlawrev-2352	104	2	contract	contract	NOUN
inlawrev-2352	104	3	phrased	phrase	VERB
inlawrev-2352	104	4	in	in	ADP
inlawrev-2352	104	5	complex	complex	ADJ
inlawrev-2352	104	6	,	,	PUNCT
inlawrev-2352	104	7	legal	legal	ADJ
inlawrev-2352	104	8	language	language	NOUN
inlawrev-2352	104	9	,	,	PUNCT
inlawrev-2352	104	10	coupled	couple	VERB
inlawrev-2352	104	11	with	with	ADP
inlawrev-2352	104	12	a	a	DET
inlawrev-2352	104	13	lack	lack	NOUN
inlawrev-2352	104	14	of	of	ADP
inlawrev-2352	104	15	knowledge	knowledge	NOUN
inlawrev-2352	104	16	or	or	CCONJ
inlawrev-2352	104	17	understanding	understanding	NOUN
inlawrev-2352	104	18	on	on	ADP
inlawrev-2352	104	19	the	the	DET
inlawrev-2352	104	20	part	part	NOUN
inlawrev-2352	104	21	of	of	ADP
inlawrev-2352	104	22	the	the	DET
inlawrev-2352	104	23	applicant	applicant	NOUN
inlawrev-2352	104	24	suggests	suggest	VERB
inlawrev-2352	104	25	unconscionability	unconscionability	NOUN
inlawrev-2352	104	26	,	,	PUNCT
inlawrev-2352	104	27	a	a	DET
inlawrev-2352	104	28	theory	theory	NOUN
inlawrev-2352	104	29	that	that	PRON
inlawrev-2352	104	30	may	may	AUX
inlawrev-2352	104	31	underlie	underlie	VERB
inlawrev-2352	104	32	the	the	DET
inlawrev-2352	104	33	decision	decision	NOUN
inlawrev-2352	104	34	in	in	ADP
inlawrev-2352	104	35	allen	allen	PROPN
inlawrev-2352	104	36	v.	v.	PROPN
inlawrev-2352	104	37	metropolitan	metropolitan	PROPN
inlawrev-2352	104	38	life	life	PROPN
inlawrev-2352	104	39	insurance	insurance	PROPN
inlawrev-2352	104	40	co.	co.	PROPN
inlawrev-2352	104	41	,^^	,^^	PUNCT
inlawrev-2352	104	42	a	a	DET
inlawrev-2352	104	43	case	case	NOUN
inlawrev-2352	104	44	cited	cite	VERB
inlawrev-2352	104	45	in	in	ADP
inlawrev-2352	104	46	lamme	lamme	NOUN
inlawrev-2352	104	47	prior	prior	ADV
inlawrev-2352	104	48	to	to	ADP
inlawrev-2352	104	49	its	its	PRON
inlawrev-2352	104	50	resolution	resolution	NOUN
inlawrev-2352	104	51	of	of	ADP
inlawrev-2352	104	52	the	the	DET
inlawrev-2352	104	53	public	public	ADJ
inlawrev-2352	104	54	policy	policy	NOUN
inlawrev-2352	104	55	question	question	NOUN
inlawrev-2352	104	56	.	.	PUNCT
inlawrev-2352	105	1	allen	allen	PROPN
inlawrev-2352	105	2	also	also	ADV
inlawrev-2352	105	3	arose	arise	VERB
inlawrev-2352	105	4	out	out	ADP
inlawrev-2352	105	5	of	of	ADP
inlawrev-2352	105	6	a	a	DET
inlawrev-2352	105	7	life	life	NOUN
inlawrev-2352	105	8	insurance	insurance	NOUN
inlawrev-2352	105	9	sale	sale	NOUN
inlawrev-2352	105	10	in	in	ADP
inlawrev-2352	105	11	which	which	PRON
inlawrev-2352	105	12	a	a	DET
inlawrev-2352	105	13	complicated	complicated	ADJ
inlawrev-2352	105	14	receipt	receipt	NOUN
inlawrev-2352	105	15	was	be	AUX
inlawrev-2352	105	16	used	use	VERB
inlawrev-2352	105	17	.	.	PUNCT
inlawrev-2352	106	1	in	in	ADP
inlawrev-2352	106	2	allen	allen	PROPN
inlawrev-2352	106	3	,	,	PUNCT
inlawrev-2352	106	4	the	the	DET
inlawrev-2352	106	5	applicant	applicant	NOUN
inlawrev-2352	106	6	had	have	AUX
inlawrev-2352	106	7	applied	apply	VERB
inlawrev-2352	106	8	for	for	ADP
inlawrev-2352	106	9	a	a	DET
inlawrev-2352	106	10	$	$	SYM
inlawrev-2352	106	11	12,000	12,000	NUM
inlawrev-2352	106	12	policy	policy	NOUN
inlawrev-2352	106	13	,	,	PUNCT
inlawrev-2352	106	14	given	give	VERB
inlawrev-2352	106	15	the	the	DET
inlawrev-2352	106	16	soliciting	solicit	VERB
inlawrev-2352	106	17	agent	agent	NOUN
inlawrev-2352	106	18	a	a	DET
inlawrev-2352	106	19	check	check	NOUN
inlawrev-2352	106	20	for	for	ADP
inlawrev-2352	106	21	the	the	DET
inlawrev-2352	106	22	amount	amount	NOUN
inlawrev-2352	106	23	of	of	ADP
inlawrev-2352	106	24	the	the	DET
inlawrev-2352	106	25	first	first	ADJ
inlawrev-2352	106	26	annual	annual	ADJ
inlawrev-2352	106	27	premium	premium	NOUN
inlawrev-2352	106	28	,	,	PUNCT
inlawrev-2352	106	29	and	and	CCONJ
inlawrev-2352	106	30	received	receive	VERB
inlawrev-2352	106	31	a	a	DET
inlawrev-2352	106	32	conditional	conditional	ADJ
inlawrev-2352	106	33	receipt	receipt	NOUN
inlawrev-2352	106	34	which	which	PRON
inlawrev-2352	106	35	read	read	VERB
inlawrev-2352	106	36	:	:	PUNCT
inlawrev-2352	106	37	//	//	NUM
inlawrev-2352	106	38	the	the	DET
inlawrev-2352	106	39	amount	amount	NOUN
inlawrev-2352	106	40	received	receive	VERB
inlawrev-2352	106	41	on	on	ADP
inlawrev-2352	106	42	this	this	DET
inlawrev-2352	106	43	date	date	NOUN
inlawrev-2352	106	44	is	be	AUX
inlawrev-2352	106	45	equal	equal	ADJ
inlawrev-2352	106	46	to	to	ADP
inlawrev-2352	106	47	the	the	DET
inlawrev-2352	106	48	full	full	ADJ
inlawrev-2352	106	49	first	first	ADJ
inlawrev-2352	106	50	premium	premium	NOUN
inlawrev-2352	106	51	on	on	ADP
inlawrev-2352	106	52	the	the	DET
inlawrev-2352	106	53	policy	policy	NOUN
inlawrev-2352	106	54	applied	apply	VERB
inlawrev-2352	106	55	for	for	ADP
inlawrev-2352	106	56	and	and	CCONJ
inlawrev-2352	106	57	(	(	PUNCT
inlawrev-2352	106	58	1	1	X
inlawrev-2352	106	59	)	)	PUNCT
inlawrev-2352	106	60	the	the	DET
inlawrev-2352	106	61	application	application	NOUN
inlawrev-2352	106	62	as	as	SCONJ
inlawrev-2352	106	63	originally	originally	ADV
inlawrev-2352	106	64	submitted	submit	VERB
inlawrev-2352	106	65	is	be	AUX
inlawrev-2352	106	66	approved	approve	VERB
inlawrev-2352	106	67	at	at	ADP
inlawrev-2352	106	68	the	the	DET
inlawrev-2352	106	69	company	company	NOUN
inlawrev-2352	106	70	's	's	PART
inlawrev-2352	106	71	home	home	NOUN
inlawrev-2352	106	72	office	office	NOUN
inlawrev-2352	106	73	for	for	ADP
inlawrev-2352	106	74	the	the	DET
inlawrev-2352	106	75	policy	policy	NOUN
inlawrev-2352	106	76	applied	apply	VERB
inlawrev-2352	106	77	for	for	ADP
inlawrev-2352	106	78	,	,	PUNCT
inlawrev-2352	106	79	either	either	CCONJ
inlawrev-2352	106	80	before	before	SCONJ
inlawrev-2352	106	81	or	or	CCONJ
inlawrev-2352	106	82	after	after	SCONJ
inlawrev-2352	106	83	the	the	DET
inlawrev-2352	106	84	death	death	NOUN
inlawrev-2352	106	85	of	of	ADP
inlawrev-2352	106	86	the	the	DET
inlawrev-2352	106	87	life	life	NOUN
inlawrev-2352	106	88	proposed	propose	VERB
inlawrev-2352	106	89	,	,	PUNCT
inlawrev-2352	106	90	then	then	ADV
inlawrev-2352	106	91	in	in	ADP
inlawrev-2352	106	92	such	such	ADJ
inlawrev-2352	106	93	circumstances	circumstance	NOUN
inlawrev-2352	106	94	the	the	DET
inlawrev-2352	106	95	policy	policy	NOUN
inlawrev-2352	106	96	applied	apply	VERB
inlawrev-2352	106	97	for	for	ADP
inlawrev-2352	106	98	will	will	AUX
inlawrev-2352	106	99	be	be	AUX
inlawrev-2352	106	100	issued	issue	VERB
inlawrev-2352	106	101	effective	effective	ADJ
inlawrev-2352	106	102	as	as	ADP
inlawrev-2352	106	103	of	of	ADP
inlawrev-2352	106	104	this	this	DET
inlawrev-2352	106	105	date	date	NOUN
inlawrev-2352	106	106	.	.	PUNCT
inlawrev-2352	106	107	.	.	PUNCT
inlawrev-2352	106	108	.	.	PUNCT
inlawrev-2352	107	1	.^	.^	PROPN
inlawrev-2352	107	2	®	®	NOUN
inlawrev-2352	107	3	in	in	ADP
inlawrev-2352	107	4	construing	construe	VERB
inlawrev-2352	107	5	this	this	DET
inlawrev-2352	107	6	conditional	conditional	ADJ
inlawrev-2352	107	7	receipt	receipt	NOUN
inlawrev-2352	107	8	,	,	PUNCT
inlawrev-2352	107	9	the	the	DET
inlawrev-2352	107	10	new	new	PROPN
inlawrev-2352	107	11	jersey	jersey	PROPN
inlawrev-2352	107	12	supreme	supreme	PROPN
inlawrev-2352	107	13	court	court	PROPN
inlawrev-2352	107	14	pointed	point	VERB
inlawrev-2352	107	15	out	out	ADP
inlawrev-2352	107	16	that	that	SCONJ
inlawrev-2352	107	17	a	a	DET
inlawrev-2352	107	18	literal	literal	ADJ
inlawrev-2352	107	19	reading	reading	NOUN
inlawrev-2352	107	20	of	of	ADP
inlawrev-2352	107	21	the	the	DET
inlawrev-2352	107	22	receipt	receipt	NOUN
inlawrev-2352	107	23	"	"	PUNCT
inlawrev-2352	107	24	gave	give	VERB
inlawrev-2352	107	25	no	no	DET
inlawrev-2352	107	26	interim	interim	ADJ
inlawrev-2352	107	27	protection	protection	NOUN
inlawrev-2352	107	28	at	at	ADV
inlawrev-2352	107	29	all	all	ADV
inlawrev-2352	107	30	in	in	ADP
inlawrev-2352	107	31	the	the	DET
inlawrev-2352	107	32	absence	absence	NOUN
inlawrev-2352	107	33	of	of	ADP
inlawrev-2352	107	34	an	an	DET
inlawrev-2352	107	35	approval	approval	NOUN
inlawrev-2352	107	36	by	by	ADP
inlawrev-2352	107	37	the	the	DET
inlawrev-2352	107	38	company	company	NOUN
inlawrev-2352	107	39	at	at	ADP
inlawrev-2352	107	40	its	its	PRON
inlawrev-2352	107	41	home	home	NOUN
inlawrev-2352	107	42	office	office	NOUN
inlawrev-2352	107	43	either	either	CCONJ
inlawrev-2352	107	44	before	before	ADP
inlawrev-2352	107	45	or	or	CCONJ
inlawrev-2352	107	46	after	after	ADP
inlawrev-2352	107	47	death	death	NOUN
inlawrev-2352	107	48	.	.	PUNCT
inlawrev-2352	108	1	"^	"^	X
inlawrev-2352	109	1	°	°	ADP
inlawrev-2352	109	2	it	it	PRON
inlawrev-2352	109	3	is	be	AUX
inlawrev-2352	109	4	important	important	ADJ
inlawrev-2352	109	5	to	to	PART
inlawrev-2352	109	6	note	note	VERB
inlawrev-2352	109	7	that	that	SCONJ
inlawrev-2352	109	8	this	this	DET
inlawrev-2352	109	9	receipt	receipt	NOUN
inlawrev-2352	109	10	made	make	VERB
inlawrev-2352	109	11	the	the	DET
inlawrev-2352	109	12	issuance	issuance	NOUN
inlawrev-2352	109	13	of	of	ADP
inlawrev-2352	109	14	the	the	DET
inlawrev-2352	109	15	policy	policy	NOUN
inlawrev-2352	109	16	dependent	dependent	ADJ
inlawrev-2352	109	17	upon	upon	SCONJ
inlawrev-2352	109	18	approval	approval	NOUN
inlawrev-2352	109	19	by	by	ADP
inlawrev-2352	109	20	the	the	DET
inlawrev-2352	109	21	company	company	NOUN
inlawrev-2352	109	22	,	,	PUNCT
inlawrev-2352	109	23	and	and	CCONJ
inlawrev-2352	109	24	not	not	PART
inlawrev-2352	109	25	upon	upon	SCONJ
inlawrev-2352	109	26	insurability	insurability	NOUN
inlawrev-2352	109	27	of	of	ADP
inlawrev-2352	109	28	the	the	DET
inlawrev-2352	109	29	applicant	applicant	NOUN
inlawrev-2352	109	30	.	.	PUNCT
inlawrev-2352	110	1	allen	allen	PROPN
inlawrev-2352	110	2	thus	thus	ADV
inlawrev-2352	110	3	deals	deal	VERB
inlawrev-2352	110	4	with	with	ADP
inlawrev-2352	110	5	an	an	DET
inlawrev-2352	110	6	"	"	PUNCT
inlawrev-2352	110	7	approval	approval	NOUN
inlawrev-2352	110	8	"	"	PUNCT
inlawrev-2352	110	9	receipt	receipt	NOUN
inlawrev-2352	110	10	rather	rather	ADV
inlawrev-2352	110	11	than	than	ADP
inlawrev-2352	110	12	an	an	DET
inlawrev-2352	110	13	"	"	PUNCT
inlawrev-2352	110	14	insurability	insurability	NOUN
inlawrev-2352	110	15	"	"	PUNCT
inlawrev-2352	110	16	receipt	receipt	NOUN
inlawrev-2352	110	17	,	,	PUNCT
inlawrev-2352	110	18	as	as	SCONJ
inlawrev-2352	110	19	was	be	AUX
inlawrev-2352	110	20	the	the	DET
inlawrev-2352	110	21	case	case	NOUN
inlawrev-2352	110	22	in	in	ADP
inlawrev-2352	110	23	lamme^^	lamme^^	NOUN
inlawrev-2352	110	24	and	and	CCONJ
inlawrev-2352	110	25	kaiser.^^	kaiser.^^	NOUN
inlawrev-2352	110	26	as	as	SCONJ
inlawrev-2352	110	27	described	describe	VERB
inlawrev-2352	110	28	by	by	ADP
inlawrev-2352	110	29	the	the	DET
inlawrev-2352	110	30	court	court	NOUN
inlawrev-2352	110	31	in	in	ADP
inlawrev-2352	110	32	lamme	lamme	NOUN
inlawrev-2352	110	33	,	,	PUNCT
inlawrev-2352	110	34	the	the	DET
inlawrev-2352	110	35	approval	approval	NOUN
inlawrev-2352	110	36	receipt	receipt	NOUN
inlawrev-2352	110	37	"	"	PUNCT
inlawrev-2352	110	38	usually	usually	ADV
inlawrev-2352	110	39	recites	recite	VERB
inlawrev-2352	110	40	that	that	SCONJ
inlawrev-2352	110	41	coverage	coverage	NOUN
inlawrev-2352	110	42	shall	shall	AUX
inlawrev-2352	110	43	be	be	AUX
inlawrev-2352	110	44	in	in	ADP
inlawrev-2352	110	45	force	force	NOUN
inlawrev-2352	110	46	from	from	ADP
inlawrev-2352	110	47	a	a	DET
inlawrev-2352	110	48	specified	specify	VERB
inlawrev-2352	110	49	date	date	NOUN
inlawrev-2352	110	50	provided	provide	VERB
inlawrev-2352	110	51	the	the	DET
inlawrev-2352	110	52	application	application	NOUN
inlawrev-2352	110	53	is	be	AUX
inlawrev-2352	110	54	approved	approve	VERB
inlawrev-2352	110	55	as	as	ADP
inlawrev-2352	110	56	applied	apply	VERB
inlawrev-2352	110	57	for	for	ADP
inlawrev-2352	110	58	at	at	ADP
inlawrev-2352	110	59	the	the	DET
inlawrev-2352	110	60	home	home	NOUN
inlawrev-2352	110	61	office	office	NOUN
inlawrev-2352	110	62	of	of	ADP
inlawrev-2352	110	63	the	the	DET
inlawrev-2352	110	64	insurance	insurance	NOUN
inlawrev-2352	110	65	company,"^^	company,"^^	NOUN
inlawrev-2352	110	66	whereas	whereas	SCONJ
inlawrev-2352	110	67	the	the	DET
inlawrev-2352	110	68	insurability	insurability	NOUN
inlawrev-2352	110	69	receipt	receipt	NOUN
inlawrev-2352	110	70	"	"	PUNCT
inlawrev-2352	110	71	provides	provide	VERB
inlawrev-2352	110	72	that	that	SCONJ
inlawrev-2352	110	73	insurance	insurance	NOUN
inlawrev-2352	110	74	coverage	coverage	NOUN
inlawrev-2352	110	75	shall	shall	AUX
inlawrev-2352	110	76	be	be	AUX
inlawrev-2352	110	77	effective	effective	ADJ
inlawrev-2352	110	78	as	as	ADP
inlawrev-2352	110	79	of	of	ADP
inlawrev-2352	110	80	a	a	DET
inlawrev-2352	110	81	specified	specify	VERB
inlawrev-2352	110	82	date	date	NOUN
inlawrev-2352	110	83	provided	provide	VERB
inlawrev-2352	110	84	the	the	DET
inlawrev-2352	110	85	company	company	NOUN
inlawrev-2352	110	86	is	be	AUX
inlawrev-2352	110	87	satisfied	satisfied	ADJ
inlawrev-2352	110	88	that	that	SCONJ
inlawrev-2352	110	89	on	on	ADP
inlawrev-2352	110	90	such	such	ADJ
inlawrev-2352	110	91	date	date	NOUN
inlawrev-2352	110	92	the	the	DET
inlawrev-2352	110	93	applicant	applicant	NOUN
inlawrev-2352	110	94	was	be	AUX
inlawrev-2352	110	95	an	an	DET
inlawrev-2352	110	96	insurable	insurable	ADJ
inlawrev-2352	110	97	risk	risk	NOUN
inlawrev-2352	110	98	under	under	ADP
inlawrev-2352	110	99	the	the	DET
inlawrev-2352	110	100	company	company	NOUN
inlawrev-2352	110	101	's	's	PART
inlawrev-2352	110	102	underwriting	underwriting	NOUN
inlawrev-2352	110	103	rules	rule	NOUN
inlawrev-2352	110	104	for	for	ADP
inlawrev-2352	110	105	the	the	DET
inlawrev-2352	110	106	2«44	2«44	PROPN
inlawrev-2352	110	107	n.j	n.j	PROPN
inlawrev-2352	110	108	.	.	PROPN
inlawrev-2352	110	109	294	294	NUM
inlawrev-2352	110	110	,	,	PUNCT
inlawrev-2352	110	111	208	208	NUM
inlawrev-2352	110	112	a.2d	a.2d	SYM
inlawrev-2352	110	113	638	638	NUM
inlawrev-2352	110	114	(	(	PUNCT
inlawrev-2352	110	115	1965	1965	NUM
inlawrev-2352	110	116	)	)	PUNCT
inlawrev-2352	110	117	.	.	PUNCT
inlawrev-2352	111	1	^^id	^^id	PUNCT
inlawrev-2352	111	2	.	.	PUNCT
inlawrev-2352	112	1	at	at	ADP
inlawrev-2352	112	2	297	297	NUM
inlawrev-2352	112	3	,	,	PUNCT
inlawrev-2352	112	4	208	208	NUM
inlawrev-2352	112	5	a.2d	a.2d	PUNCT
inlawrev-2352	112	6	at	at	ADP
inlawrev-2352	112	7	639	639	NUM
inlawrev-2352	112	8	.	.	PUNCT
inlawrev-2352	112	9	^"m	^"m	PUNCT
inlawrev-2352	113	1	at	at	ADP
inlawrev-2352	113	2	304	304	NUM
inlawrev-2352	113	3	,	,	PUNCT
inlawrev-2352	113	4	208	208	NUM
inlawrev-2352	113	5	a.2d	a.2d	PUNCT
inlawrev-2352	113	6	at	at	ADP
inlawrev-2352	113	7	643	643	NUM
inlawrev-2352	113	8	.	.	PUNCT
inlawrev-2352	113	9	^^see	^^see	PRON
inlawrev-2352	113	10	text	text	NOUN
inlawrev-2352	113	11	accompanying	accompany	VERB
inlawrev-2352	113	12	note	note	NOUN
inlawrev-2352	113	13	19	19	NUM
inlawrev-2352	113	14	supra	supra	NOUN
inlawrev-2352	113	15	.	.	PUNCT
inlawrev-2352	114	1	^^see	^^see	NUM
inlawrev-2352	114	2	text	text	NOUN
inlawrev-2352	114	3	accompanying	accompany	VERB
inlawrev-2352	114	4	note	note	NOUN
inlawrev-2352	114	5	8	8	NUM
inlawrev-2352	114	6	supra	supra	NOUN
inlawrev-2352	114	7	.	.	PUNCT
inlawrev-2352	115	1	^^83	^^83	PROPN
inlawrev-2352	116	1	nev	nev	PROPN
inlawrev-2352	116	2	.	.	PROPN
inlawrev-2352	117	1	at	at	ADP
inlawrev-2352	117	2	147	147	NUM
inlawrev-2352	117	3	,	,	PUNCT
inlawrev-2352	117	4	425	425	NUM
inlawrev-2352	117	5	p.2d	p.2d	NOUN
inlawrev-2352	117	6	at	at	ADP
inlawrev-2352	117	7	347	347	NUM
inlawrev-2352	117	8	.	.	PUNCT
inlawrev-2352	117	9	1979	1979	NUM
inlawrev-2352	117	10	]	]	PUNCT
inlawrev-2352	117	11	conditional	conditional	ADJ
inlawrev-2352	117	12	receipts	receipt	NOUN
inlawrev-2352	117	13	783	783	NUM
inlawrev-2352	117	14	policy	policy	NOUN
inlawrev-2352	117	15	applied	apply	VERB
inlawrev-2352	117	16	for	for	ADP
inlawrev-2352	117	17	.	.	PUNCT
inlawrev-2352	118	1	"^^	"^^	VERB
inlawrev-2352	118	2	an	an	DET
inlawrev-2352	118	3	approval	approval	NOUN
inlawrev-2352	118	4	receipt	receipt	NOUN
inlawrev-2352	118	5	is	be	AUX
inlawrev-2352	118	6	more	more	ADV
inlawrev-2352	118	7	likely	likely	ADJ
inlawrev-2352	118	8	to	to	PART
inlawrev-2352	118	9	be	be	AUX
inlawrev-2352	118	10	unconscionable	unconscionable	ADJ
inlawrev-2352	118	11	or	or	CCONJ
inlawrev-2352	118	12	illusory	illusory	ADJ
inlawrev-2352	118	13	than	than	ADP
inlawrev-2352	118	14	an	an	DET
inlawrev-2352	118	15	insurability	insurability	NOUN
inlawrev-2352	118	16	receipt	receipt	NOUN
inlawrev-2352	118	17	because	because	SCONJ
inlawrev-2352	118	18	insurability	insurability	NOUN
inlawrev-2352	118	19	is	be	AUX
inlawrev-2352	118	20	an	an	DET
inlawrev-2352	118	21	objective	objective	ADJ
inlawrev-2352	118	22	standard	standard	NOUN
inlawrev-2352	118	23	that	that	PRON
inlawrev-2352	118	24	can	can	AUX
inlawrev-2352	118	25	be	be	AUX
inlawrev-2352	118	26	determined	determine	VERB
inlawrev-2352	118	27	without	without	ADP
inlawrev-2352	118	28	regard	regard	NOUN
inlawrev-2352	118	29	to	to	ADP
inlawrev-2352	118	30	approval	approval	NOUN
inlawrev-2352	118	31	or	or	CCONJ
inlawrev-2352	118	32	rejection	rejection	NOUN
inlawrev-2352	118	33	of	of	ADP
inlawrev-2352	118	34	the	the	DET
inlawrev-2352	118	35	application	application	NOUN
inlawrev-2352	118	36	by	by	ADP
inlawrev-2352	118	37	the	the	DET
inlawrev-2352	118	38	company	company	NOUN
inlawrev-2352	118	39	.	.	PUNCT
inlawrev-2352	119	1	the	the	DET
inlawrev-2352	119	2	allen	allen	PROPN
inlawrev-2352	119	3	court	court	PROPN
inlawrev-2352	119	4	also	also	ADV
inlawrev-2352	119	5	found	find	VERB
inlawrev-2352	119	6	that	that	SCONJ
inlawrev-2352	119	7	the	the	DET
inlawrev-2352	119	8	conditional	conditional	ADJ
inlawrev-2352	119	9	receipt	receipt	NOUN
inlawrev-2352	119	10	was	be	AUX
inlawrev-2352	119	11	ambiguous	ambiguous	ADJ
inlawrev-2352	119	12	,	,	PUNCT
inlawrev-2352	119	13	or	or	CCONJ
inlawrev-2352	119	14	rather	rather	ADV
inlawrev-2352	119	15	,	,	PUNCT
inlawrev-2352	119	16	that	that	SCONJ
inlawrev-2352	119	17	it	it	PRON
inlawrev-2352	119	18	"	"	PUNCT
inlawrev-2352	119	19	would	would	AUX
inlawrev-2352	119	20	not	not	PART
inlawrev-2352	119	21	be	be	AUX
inlawrev-2352	119	22	unambiguous	unambiguous	ADJ
inlawrev-2352	119	23	to	to	ADP
inlawrev-2352	119	24	the	the	DET
inlawrev-2352	119	25	average	average	ADJ
inlawrev-2352	119	26	layman	layman	NOUN
inlawrev-2352	119	27	for	for	ADP
inlawrev-2352	119	28	whom	whom	PRON
inlawrev-2352	119	29	it	it	PRON
inlawrev-2352	119	30	was	be	AUX
inlawrev-2352	119	31	intended	intend	VERB
inlawrev-2352	119	32	.	.	PUNCT
inlawrev-2352	120	1	"^^	"^^	VERB
inlawrev-2352	120	2	this	this	DET
inlawrev-2352	120	3	finding	finding	NOUN
inlawrev-2352	120	4	was	be	AUX
inlawrev-2352	120	5	in	in	ADP
inlawrev-2352	120	6	response	response	NOUN
inlawrev-2352	120	7	to	to	ADP
inlawrev-2352	120	8	the	the	DET
inlawrev-2352	120	9	company	company	NOUN
inlawrev-2352	120	10	's	's	PART
inlawrev-2352	120	11	claim	claim	NOUN
inlawrev-2352	120	12	that	that	SCONJ
inlawrev-2352	120	13	despite	despite	SCONJ
inlawrev-2352	120	14	the	the	DET
inlawrev-2352	120	15	literal	literal	ADJ
inlawrev-2352	120	16	terms	term	NOUN
inlawrev-2352	120	17	of	of	ADP
inlawrev-2352	120	18	the	the	DET
inlawrev-2352	120	19	receipt	receipt	NOUN
inlawrev-2352	120	20	,	,	PUNCT
inlawrev-2352	120	21	which	which	PRON
inlawrev-2352	120	22	stated	state	VERB
inlawrev-2352	120	23	that	that	SCONJ
inlawrev-2352	120	24	coverage	coverage	NOUN
inlawrev-2352	120	25	would	would	AUX
inlawrev-2352	120	26	be	be	AUX
inlawrev-2352	120	27	provided	provide	VERB
inlawrev-2352	120	28	only	only	ADV
inlawrev-2352	120	29	if	if	SCONJ
inlawrev-2352	120	30	the	the	DET
inlawrev-2352	120	31	application	application	NOUN
inlawrev-2352	120	32	were	be	AUX
inlawrev-2352	120	33	approved,^^	approved,^^	NOUN
inlawrev-2352	120	34	the	the	DET
inlawrev-2352	120	35	company	company	NOUN
inlawrev-2352	120	36	would	would	AUX
inlawrev-2352	120	37	have	have	AUX
inlawrev-2352	120	38	granted	grant	VERB
inlawrev-2352	120	39	coverage	coverage	NOUN
inlawrev-2352	120	40	if	if	SCONJ
inlawrev-2352	120	41	the	the	DET
inlawrev-2352	120	42	applicant	applicant	NOUN
inlawrev-2352	120	43	had	have	AUX
inlawrev-2352	120	44	been	be	AUX
inlawrev-2352	120	45	insurable	insurable	ADJ
inlawrev-2352	120	46	.	.	PUNCT
inlawrev-2352	121	1	as	as	SCONJ
inlawrev-2352	121	2	the	the	DET
inlawrev-2352	121	3	court	court	NOUN
inlawrev-2352	121	4	pointed	point	VERB
inlawrev-2352	121	5	out	out	ADP
inlawrev-2352	121	6	,	,	PUNCT
inlawrev-2352	121	7	such	such	DET
inlawrev-2352	121	8	an	an	DET
inlawrev-2352	121	9	interpretation	interpretation	NOUN
inlawrev-2352	121	10	was	be	AUX
inlawrev-2352	121	11	not	not	PART
inlawrev-2352	121	12	evident	evident	ADJ
inlawrev-2352	121	13	from	from	ADP
inlawrev-2352	121	14	the	the	DET
inlawrev-2352	121	15	terms	term	NOUN
inlawrev-2352	121	16	of	of	ADP
inlawrev-2352	121	17	the	the	DET
inlawrev-2352	121	18	receipt.^^	receipt.^^	NOUN
inlawrev-2352	121	19	having	having	AUX
inlawrev-2352	121	20	found	find	VERB
inlawrev-2352	121	21	that	that	SCONJ
inlawrev-2352	121	22	the	the	DET
inlawrev-2352	121	23	receipt	receipt	NOUN
inlawrev-2352	121	24	was	be	AUX
inlawrev-2352	121	25	ambiguous	ambiguous	ADJ
inlawrev-2352	121	26	,	,	PUNCT
inlawrev-2352	121	27	the	the	DET
inlawrev-2352	121	28	court	court	NOUN
inlawrev-2352	121	29	resolved	resolve	VERB
inlawrev-2352	121	30	the	the	DET
inlawrev-2352	121	31	ambiguity	ambiguity	NOUN
inlawrev-2352	121	32	against	against	ADP
inlawrev-2352	121	33	the	the	DET
inlawrev-2352	121	34	insurance	insurance	NOUN
inlawrev-2352	121	35	company	company	NOUN
inlawrev-2352	121	36	:	:	PUNCT
inlawrev-2352	121	37	the	the	DET
inlawrev-2352	121	38	company	company	NOUN
inlawrev-2352	121	39	is	be	AUX
inlawrev-2352	121	40	expert	expert	ADJ
inlawrev-2352	121	41	in	in	ADP
inlawrev-2352	121	42	its	its	PRON
inlawrev-2352	121	43	field	field	NOUN
inlawrev-2352	121	44	and	and	CCONJ
inlawrev-2352	121	45	its	its	PRON
inlawrev-2352	121	46	varied	varied	ADJ
inlawrev-2352	121	47	and	and	CCONJ
inlawrev-2352	121	48	complex	complex	ADJ
inlawrev-2352	121	49	instruments	instrument	NOUN
inlawrev-2352	121	50	are	be	AUX
inlawrev-2352	121	51	prepared	prepare	VERB
inlawrev-2352	121	52	by	by	ADP
inlawrev-2352	121	53	it	it	PRON
inlawrev-2352	121	54	unilaterally	unilaterally	ADV
inlawrev-2352	121	55	whereas	whereas	SCONJ
inlawrev-2352	121	56	the	the	DET
inlawrev-2352	121	57	assured	assure	VERB
inlawrev-2352	121	58	or	or	CCONJ
inlawrev-2352	121	59	prospective	prospective	ADJ
inlawrev-2352	121	60	assured	assure	VERB
inlawrev-2352	121	61	is	be	AUX
inlawrev-2352	121	62	a	a	DET
inlawrev-2352	121	63	layman	layman	NOUN
inlawrev-2352	121	64	unversed	unversed	ADJ
inlawrev-2352	121	65	in	in	ADP
inlawrev-2352	121	66	insurance	insurance	NOUN
inlawrev-2352	121	67	provisions	provision	NOUN
inlawrev-2352	121	68	and	and	CCONJ
inlawrev-2352	121	69	practices	practice	NOUN
inlawrev-2352	121	70	.	.	PUNCT
inlawrev-2352	121	71	.	.	PUNCT
inlawrev-2352	121	72	.	.	PUNCT
inlawrev-2352	121	73	.	.	PUNCT
inlawrev-2352	122	1	thus	thus	ADV
inlawrev-2352	122	2	we	we	PRON
inlawrev-2352	122	3	have	have	AUX
inlawrev-2352	122	4	consistently	consistently	ADV
inlawrev-2352	122	5	construed	construe	VERB
inlawrev-2352	122	6	policy	policy	NOUN
inlawrev-2352	122	7	terms	term	NOUN
inlawrev-2352	122	8	strictly	strictly	ADV
inlawrev-2352	122	9	against	against	ADP
inlawrev-2352	122	10	the	the	DET
inlawrev-2352	122	11	insurer	insurer	NOUN
inlawrev-2352	122	12	and	and	CCONJ
inlawrev-2352	122	13	where	where	SCONJ
inlawrev-2352	122	14	several	several	ADJ
inlawrev-2352	122	15	interpretations	interpretation	NOUN
inlawrev-2352	122	16	were	be	AUX
inlawrev-2352	122	17	permissible	permissible	ADJ
inlawrev-2352	122	18	,	,	PUNCT
inlawrev-2352	122	19	we	we	PRON
inlawrev-2352	122	20	have	have	AUX
inlawrev-2352	122	21	chosen	choose	VERB
inlawrev-2352	122	22	the	the	DET
inlawrev-2352	122	23	one	one	NUM
inlawrev-2352	122	24	most	most	ADV
inlawrev-2352	122	25	favorable	favorable	ADJ
inlawrev-2352	122	26	to	to	ADP
inlawrev-2352	122	27	the	the	DET
inlawrev-2352	122	28	assured.^	assured.^	NOUN
inlawrev-2352	122	29	®	®	NOUN
inlawrev-2352	122	30	the	the	DET
inlawrev-2352	122	31	court	court	NOUN
inlawrev-2352	122	32	in	in	ADP
inlawrev-2352	122	33	lamme	lamme	NOUN
inlawrev-2352	122	34	did	do	AUX
inlawrev-2352	122	35	not	not	PART
inlawrev-2352	122	36	specifically	specifically	ADV
inlawrev-2352	122	37	refer	refer	VERB
inlawrev-2352	122	38	to	to	ADP
inlawrev-2352	122	39	ambiguity	ambiguity	NOUN
inlawrev-2352	122	40	or	or	CCONJ
inlawrev-2352	122	41	unconscionability	unconscionability	NOUN
inlawrev-2352	122	42	,	,	PUNCT
inlawrev-2352	122	43	but	but	CCONJ
inlawrev-2352	122	44	these	these	DET
inlawrev-2352	122	45	considerations	consideration	NOUN
inlawrev-2352	122	46	seemed	seem	VERB
inlawrev-2352	122	47	to	to	PART
inlawrev-2352	122	48	underlie	underlie	VERB
inlawrev-2352	122	49	lamme	lamme	PROPN
inlawrev-2352	122	50	's	's	PART
inlawrev-2352	122	51	reference	reference	NOUN
inlawrev-2352	122	52	to	to	ADP
inlawrev-2352	122	53	the	the	DET
inlawrev-2352	122	54	complexity	complexity	NOUN
inlawrev-2352	122	55	of	of	ADP
inlawrev-2352	122	56	insurance	insurance	NOUN
inlawrev-2352	122	57	contracts	contract	NOUN
inlawrev-2352	122	58	and	and	CCONJ
inlawrev-2352	122	59	the	the	DET
inlawrev-2352	122	60	inequality	inequality	NOUN
inlawrev-2352	122	61	of	of	ADP
inlawrev-2352	122	62	expertise	expertise	NOUN
inlawrev-2352	122	63	between	between	ADP
inlawrev-2352	122	64	the	the	DET
inlawrev-2352	122	65	company	company	NOUN
inlawrev-2352	122	66	and	and	CCONJ
inlawrev-2352	122	67	the	the	DET
inlawrev-2352	122	68	public.^^	public.^^	NOUN
inlawrev-2352	123	1	unlike	unlike	ADP
inlawrev-2352	123	2	the	the	DET
inlawrev-2352	123	3	insurance	insurance	NOUN
inlawrev-2352	123	4	company	company	NOUN
inlawrev-2352	123	5	in	in	ADP
inlawrev-2352	123	6	allen	allen	PROPN
inlawrev-2352	123	7	,	,	PUNCT
inlawrev-2352	123	8	the	the	DET
inlawrev-2352	123	9	company	company	NOUN
inlawrev-2352	123	10	in	in	ADP
inlawrev-2352	123	11	lamme	lamme	NOUN
inlawrev-2352	123	12	neither	neither	CCONJ
inlawrev-2352	123	13	claimed	claim	VERB
inlawrev-2352	123	14	that	that	SCONJ
inlawrev-2352	123	15	the	the	DET
inlawrev-2352	123	16	provisions	provision	NOUN
inlawrev-2352	123	17	of	of	ADP
inlawrev-2352	123	18	the	the	DET
inlawrev-2352	123	19	receipt	receipt	NOUN
inlawrev-2352	123	20	included	include	VERB
inlawrev-2352	123	21	terms	term	NOUN
inlawrev-2352	123	22	not	not	PART
inlawrev-2352	123	23	expressly	expressly	ADV
inlawrev-2352	123	24	found	find	VERB
inlawrev-2352	123	25	in	in	ADP
inlawrev-2352	123	26	the	the	DET
inlawrev-2352	123	27	written	write	VERB
inlawrev-2352	123	28	instrument	instrument	NOUN
inlawrev-2352	123	29	nor	nor	CCONJ
inlawrev-2352	123	30	attempted	attempt	VERB
inlawrev-2352	123	31	to	to	PART
inlawrev-2352	123	32	defend	defend	VERB
inlawrev-2352	123	33	a	a	DET
inlawrev-2352	123	34	receipt	receipt	NOUN
inlawrev-2352	123	35	which	which	PRON
inlawrev-2352	123	36	made	make	VERB
inlawrev-2352	123	37	insurance	insurance	NOUN
inlawrev-2352	123	38	coverage	coverage	NOUN
inlawrev-2352	123	39	dependent	dependent	ADJ
inlawrev-2352	123	40	upon	upon	SCONJ
inlawrev-2352	123	41	the	the	DET
inlawrev-2352	123	42	subjective	subjective	ADJ
inlawrev-2352	123	43	approval	approval	NOUN
inlawrev-2352	123	44	of	of	ADP
inlawrev-2352	123	45	the	the	DET
inlawrev-2352	123	46	application	application	NOUN
inlawrev-2352	123	47	.	.	PUNCT
inlawrev-2352	124	1	rather	rather	ADV
inlawrev-2352	124	2	,	,	PUNCT
inlawrev-2352	124	3	the	the	DET
inlawrev-2352	124	4	receipt	receipt	NOUN
inlawrev-2352	124	5	given	give	VERB
inlawrev-2352	124	6	to	to	PART
inlawrev-2352	124	7	lamme	lamme	VERB
inlawrev-2352	124	8	clearly	clearly	ADV
inlawrev-2352	124	9	^vd	^vd	ADJ
inlawrev-2352	124	10	.	.	PUNCT
inlawrev-2352	125	1	at	at	ADP
inlawrev-2352	125	2	148	148	NUM
inlawrev-2352	125	3	,	,	PUNCT
inlawrev-2352	125	4	425	425	NUM
inlawrev-2352	125	5	p.2d	p.2d	NOUN
inlawrev-2352	125	6	at	at	ADP
inlawrev-2352	125	7	347	347	NUM
inlawrev-2352	125	8	.	.	PUNCT
inlawrev-2352	125	9	^^44	^^44	PUNCT
inlawrev-2352	126	1	nj	nj	PROPN
inlawrev-2352	126	2	.	.	PUNCT
inlawrev-2352	127	1	at	at	ADP
inlawrev-2352	127	2	304	304	NUM
inlawrev-2352	127	3	,	,	PUNCT
inlawrev-2352	127	4	208	208	NUM
inlawrev-2352	127	5	a.2d	a.2d	PUNCT
inlawrev-2352	127	6	at	at	ADP
inlawrev-2352	127	7	643	643	NUM
inlawrev-2352	127	8	.	.	NOUN
inlawrev-2352	127	9	^'compare	^'compare	NOUN
inlawrev-2352	127	10	this	this	DET
inlawrev-2352	127	11	provision	provision	NOUN
inlawrev-2352	127	12	with	with	ADP
inlawrev-2352	127	13	the	the	DET
inlawrev-2352	127	14	terms	term	NOUN
inlawrev-2352	127	15	of	of	ADP
inlawrev-2352	127	16	the	the	DET
inlawrev-2352	127	17	receipt	receipt	NOUN
inlawrev-2352	127	18	in	in	ADP
inlawrev-2352	127	19	kaiser	kaiser	PROPN
inlawrev-2352	127	20	,	,	PUNCT
inlawrev-2352	127	21	339	339	NUM
inlawrev-2352	127	22	n.e.2d	n.e.2d	NOUN
inlawrev-2352	127	23	at	at	ADP
inlawrev-2352	127	24	600	600	NUM
inlawrev-2352	127	25	,	,	PUNCT
inlawrev-2352	127	26	where	where	SCONJ
inlawrev-2352	127	27	the	the	DET
inlawrev-2352	127	28	contract	contract	NOUN
inlawrev-2352	127	29	was	be	AUX
inlawrev-2352	127	30	obviously	obviously	ADV
inlawrev-2352	127	31	conditioned	condition	VERB
inlawrev-2352	127	32	upon	upon	SCONJ
inlawrev-2352	127	33	insurability	insurability	NOUN
inlawrev-2352	127	34	.	.	PUNCT
inlawrev-2352	127	35	^^44	^^44	PUNCT
inlawrev-2352	128	1	n.j	n.j	PROPN
inlawrev-2352	128	2	.	.	PROPN
inlawrev-2352	129	1	at	at	ADP
inlawrev-2352	129	2	304	304	NUM
inlawrev-2352	129	3	,	,	PUNCT
inlawrev-2352	129	4	208	208	NUM
inlawrev-2352	129	5	a.2d	a.2d	PUNCT
inlawrev-2352	129	6	at	at	ADP
inlawrev-2352	129	7	643	643	NUM
inlawrev-2352	129	8	.	.	PUNCT
inlawrev-2352	130	1	for	for	ADP
inlawrev-2352	130	2	a	a	DET
inlawrev-2352	130	3	criticism	criticism	NOUN
inlawrev-2352	130	4	of	of	ADP
inlawrev-2352	130	5	the	the	DET
inlawrev-2352	130	6	allen	allen	ADJ
inlawrev-2352	130	7	decision	decision	NOUN
inlawrev-2352	130	8	,	,	PUNCT
inlawrev-2352	130	9	see	see	VERB
inlawrev-2352	130	10	fortunato	fortunato	PROPN
inlawrev-2352	130	11	,	,	PUNCT
inlawrev-2352	130	12	supra	supra	PROPN
inlawrev-2352	130	13	note	note	NOUN
inlawrev-2352	130	14	1	1	NUM
inlawrev-2352	130	15	,	,	PUNCT
inlawrev-2352	130	16	at	at	ADP
inlawrev-2352	130	17	20	20	NUM
inlawrev-2352	130	18	-	-	SYM
inlawrev-2352	130	19	21	21	NUM
inlawrev-2352	130	20	.	.	PUNCT
inlawrev-2352	131	1	where	where	SCONJ
inlawrev-2352	131	2	there	there	PRON
inlawrev-2352	131	3	is	be	VERB
inlawrev-2352	131	4	no	no	DET
inlawrev-2352	131	5	actual	actual	ADJ
inlawrev-2352	131	6	ambiguity	ambiguity	NOUN
inlawrev-2352	131	7	,	,	PUNCT
inlawrev-2352	131	8	courts	court	NOUN
inlawrev-2352	131	9	have	have	AUX
inlawrev-2352	131	10	found	find	VERB
inlawrev-2352	131	11	"	"	PUNCT
inlawrev-2352	131	12	constructive	constructive	ADJ
inlawrev-2352	131	13	ambiguity	ambiguity	NOUN
inlawrev-2352	131	14	.	.	PUNCT
inlawrev-2352	131	15	"	"	PUNCT
inlawrev-2352	132	1	see	see	VERB
inlawrev-2352	132	2	the	the	DET
inlawrev-2352	132	3	characterization	characterization	NOUN
inlawrev-2352	132	4	of	of	ADP
inlawrev-2352	132	5	ransom	ransom	NOUN
inlawrev-2352	132	6	v.	v.	ADP
inlawrev-2352	132	7	pennsylvania	pennsylvania	PROPN
inlawrev-2352	132	8	mut	mut	PROPN
inlawrev-2352	132	9	.	.	PUNCT
inlawrev-2352	133	1	life	life	PROPN
inlawrev-2352	133	2	ins	ins	PROPN
inlawrev-2352	133	3	.	.	PUNCT
inlawrev-2352	133	4	co.	co.	PROPN
inlawrev-2352	133	5	,	,	PUNCT
inlawrev-2352	133	6	43	43	NUM
inlawrev-2352	133	7	cal	cal	NOUN
inlawrev-2352	133	8	.	.	PUNCT
inlawrev-2352	134	1	2d	2d	PROPN
inlawrev-2352	134	2	420	420	NUM
inlawrev-2352	134	3	,	,	PUNCT
inlawrev-2352	134	4	274	274	NUM
inlawrev-2352	134	5	p.2d	p.2d	SYM
inlawrev-2352	134	6	633	633	NUM
inlawrev-2352	134	7	(	(	PUNCT
inlawrev-2352	134	8	1954	1954	NUM
inlawrev-2352	134	9	)	)	PUNCT
inlawrev-2352	134	10	in	in	ADP
inlawrev-2352	134	11	morgan	morgan	PROPN
inlawrev-2352	134	12	v.	v.	PROPN
inlawrev-2352	134	13	state	state	PROPN
inlawrev-2352	134	14	farm	farm	PROPN
inlawrev-2352	134	15	life	life	NOUN
inlawrev-2352	134	16	ins	ins	PROPN
inlawrev-2352	134	17	.	.	PUNCT
inlawrev-2352	134	18	co.	co.	PROPN
inlawrev-2352	134	19	,	,	PUNCT
inlawrev-2352	134	20	460	460	NUM
inlawrev-2352	134	21	p.2d	p.2d	SYM
inlawrev-2352	134	22	223	223	NUM
inlawrev-2352	134	23	,	,	PUNCT
inlawrev-2352	134	24	224	224	NUM
inlawrev-2352	134	25	(	(	PUNCT
inlawrev-2352	134	26	or	or	CCONJ
inlawrev-2352	134	27	.	.	PUNCT
inlawrev-2352	134	28	1965	1965	NUM
inlawrev-2352	134	29	)	)	PUNCT
inlawrev-2352	134	30	.	.	PUNCT
inlawrev-2352	135	1	see	see	VERB
inlawrev-2352	135	2	also	also	ADV
inlawrev-2352	135	3	murphy	murphy	PROPN
inlawrev-2352	135	4	,	,	PUNCT
inlawrev-2352	135	5	the	the	DET
inlawrev-2352	135	6	conditional	conditional	ADJ
inlawrev-2352	135	7	or	or	CCONJ
inlawrev-2352	135	8	binding	binding	ADJ
inlawrev-2352	135	9	receipt	receipt	NOUN
inlawrev-2352	135	10	today	today	NOUN
inlawrev-2352	135	11	,	,	PUNCT
inlawrev-2352	135	12	[	[	X
inlawrev-2352	135	13	1965	1965	NUM
inlawrev-2352	135	14	]	]	PUNCT
inlawrev-2352	135	15	proceedings	proceeding	NOUN
inlawrev-2352	135	16	of	of	ADP
inlawrev-2352	135	17	the	the	DET
inlawrev-2352	135	18	legal	legal	ADJ
inlawrev-2352	135	19	section	section	NOUN
inlawrev-2352	135	20	of	of	ADP
inlawrev-2352	135	21	the	the	DET
inlawrev-2352	135	22	american	american	PROPN
inlawrev-2352	135	23	life	life	PROPN
inlawrev-2352	135	24	convention	convention	PROPN
inlawrev-2352	135	25	76	76	NUM
inlawrev-2352	135	26	,	,	PUNCT
inlawrev-2352	135	27	82	82	NUM
inlawrev-2352	135	28	-	-	SYM
inlawrev-2352	135	29	85	85	NUM
inlawrev-2352	135	30	.	.	PUNCT
inlawrev-2352	135	31	^44	^44	X
inlawrev-2352	136	1	n.j	n.j	PROPN
inlawrev-2352	136	2	.	.	PROPN
inlawrev-2352	137	1	at	at	ADP
inlawrev-2352	137	2	305	305	NUM
inlawrev-2352	137	3	,	,	PUNCT
inlawrev-2352	137	4	208	208	NUM
inlawrev-2352	137	5	a.2d	a.2d	PUNCT
inlawrev-2352	137	6	at	at	ADP
inlawrev-2352	137	7	644	644	NUM
inlawrev-2352	137	8	.	.	PUNCT
inlawrev-2352	138	1	^'83	^'83	PROPN
inlawrev-2352	138	2	nev	nev	PROPN
inlawrev-2352	138	3	.	.	PROPN
inlawrev-2352	139	1	at	at	ADP
inlawrev-2352	139	2	148	148	NUM
inlawrev-2352	139	3	-	-	SYM
inlawrev-2352	139	4	49	49	NUM
inlawrev-2352	139	5	,	,	PUNCT
inlawrev-2352	139	6	425	425	NUM
inlawrev-2352	139	7	p.2d	p.2d	NOUN
inlawrev-2352	139	8	at	at	ADP
inlawrev-2352	139	9	347	347	NUM
inlawrev-2352	139	10	.	.	PUNCT
inlawrev-2352	139	11	784	784	NUM
inlawrev-2352	139	12	indiana	indiana	PROPN
inlawrev-2352	139	13	la	la	PROPN
inlawrev-2352	139	14	w	w	PROPN
inlawrev-2352	139	15	review	review	PROPN
inlawrev-2352	139	16	[	[	X
inlawrev-2352	139	17	vol	vol	NOUN
inlawrev-2352	139	18	.	.	PUNCT
inlawrev-2352	140	1	12:777	12:777	PROPN
inlawrev-2352	140	2	made	make	VERB
inlawrev-2352	140	3	coverage	coverage	NOUN
inlawrev-2352	140	4	dependent	dependent	ADJ
inlawrev-2352	140	5	upon	upon	SCONJ
inlawrev-2352	140	6	the	the	DET
inlawrev-2352	140	7	objective	objective	ADJ
inlawrev-2352	140	8	finding	finding	NOUN
inlawrev-2352	140	9	of	of	ADP
inlawrev-2352	140	10	insurability/	insurability/	NUM
inlawrev-2352	140	11	°	°	NOUN
inlawrev-2352	140	12	the	the	DET
inlawrev-2352	140	13	lamme	lamme	ADJ
inlawrev-2352	140	14	court	court	NOUN
inlawrev-2352	140	15	's	's	PART
inlawrev-2352	140	16	reliance	reliance	NOUN
inlawrev-2352	140	17	upon	upon	SCONJ
inlawrev-2352	140	18	allen	allen	PROPN
inlawrev-2352	140	19	,	,	PUNCT
inlawrev-2352	140	20	therefore	therefore	ADV
inlawrev-2352	140	21	,	,	PUNCT
inlawrev-2352	140	22	was	be	AUX
inlawrev-2352	140	23	misplaced	misplace	VERB
inlawrev-2352	140	24	.	.	PUNCT
inlawrev-2352	141	1	the	the	DET
inlawrev-2352	141	2	indiana	indiana	PROPN
inlawrev-2352	141	3	court	court	PROPN
inlawrev-2352	141	4	in	in	ADP
inlawrev-2352	141	5	kaiser	kaiser	PROPN
inlawrev-2352	141	6	,	,	PUNCT
inlawrev-2352	141	7	through	through	ADP
inlawrev-2352	141	8	its	its	PRON
inlawrev-2352	141	9	reliance	reliance	NOUN
inlawrev-2352	141	10	upon	upon	SCONJ
inlawrev-2352	141	11	lamme	lamme	NOUN
inlawrev-2352	141	12	,	,	PUNCT
inlawrev-2352	141	13	also	also	ADV
inlawrev-2352	141	14	applied	apply	VERB
inlawrev-2352	141	15	the	the	DET
inlawrev-2352	141	16	allen	allen	PROPN
inlawrev-2352	141	17	theories	theory	NOUN
inlawrev-2352	141	18	to	to	ADP
inlawrev-2352	141	19	a	a	DET
inlawrev-2352	141	20	case	case	NOUN
inlawrev-2352	141	21	involving	involve	VERB
inlawrev-2352	141	22	an	an	DET
inlawrev-2352	141	23	insurability	insurability	NOUN
inlawrev-2352	141	24	receipt	receipt	NOUN
inlawrev-2352	141	25	.	.	PUNCT
inlawrev-2352	142	1	thus	thus	ADV
inlawrev-2352	142	2	,	,	PUNCT
inlawrev-2352	142	3	the	the	DET
inlawrev-2352	142	4	same	same	ADJ
inlawrev-2352	142	5	criticism	criticism	NOUN
inlawrev-2352	142	6	is	be	AUX
inlawrev-2352	142	7	applicable	applicable	ADJ
inlawrev-2352	142	8	:	:	PUNCT
inlawrev-2352	142	9	the	the	DET
inlawrev-2352	142	10	dangers	danger	NOUN
inlawrev-2352	142	11	of	of	ADP
inlawrev-2352	142	12	ambiguity	ambiguity	NOUN
inlawrev-2352	142	13	and	and	CCONJ
inlawrev-2352	142	14	unconscionability	unconscionability	NOUN
inlawrev-2352	142	15	that	that	PRON
inlawrev-2352	142	16	are	be	AUX
inlawrev-2352	142	17	likely	likely	ADJ
inlawrev-2352	142	18	to	to	PART
inlawrev-2352	142	19	be	be	AUX
inlawrev-2352	142	20	present	present	ADJ
inlawrev-2352	142	21	in	in	ADP
inlawrev-2352	142	22	a	a	DET
inlawrev-2352	142	23	case	case	NOUN
inlawrev-2352	142	24	involving	involve	VERB
inlawrev-2352	142	25	an	an	DET
inlawrev-2352	142	26	approval	approval	NOUN
inlawrev-2352	142	27	receipt	receipt	NOUN
inlawrev-2352	142	28	should	should	AUX
inlawrev-2352	142	29	not	not	PART
inlawrev-2352	142	30	be	be	AUX
inlawrev-2352	142	31	an	an	DET
inlawrev-2352	142	32	issue	issue	NOUN
inlawrev-2352	142	33	in	in	ADP
inlawrev-2352	142	34	a	a	DET
inlawrev-2352	142	35	case	case	NOUN
inlawrev-2352	142	36	such	such	ADJ
inlawrev-2352	142	37	as	as	ADP
inlawrev-2352	142	38	kaiser	kaiser	PROPN
inlawrev-2352	142	39	,	,	PUNCT
inlawrev-2352	142	40	involving	involve	VERB
inlawrev-2352	142	41	an	an	DET
inlawrev-2352	142	42	insurability	insurability	NOUN
inlawrev-2352	142	43	receipt	receipt	NOUN
inlawrev-2352	142	44	.	.	PUNCT
inlawrev-2352	143	1	moreover	moreover	ADV
inlawrev-2352	143	2	,	,	PUNCT
inlawrev-2352	143	3	in	in	ADP
inlawrev-2352	143	4	announcing	announce	VERB
inlawrev-2352	143	5	the	the	DET
inlawrev-2352	143	6	blanket	blanket	NOUN
inlawrev-2352	143	7	rule	rule	NOUN
inlawrev-2352	143	8	that	that	SCONJ
inlawrev-2352	143	9	"	"	PUNCT
inlawrev-2352	143	10	[	[	X
inlawrev-2352	143	11	a]ny	a]ny	X
inlawrev-2352	143	12	conditions	condition	NOUN
inlawrev-2352	143	13	contained	contain	VERB
inlawrev-2352	143	14	in	in	ADP
inlawrev-2352	143	15	the	the	DET
inlawrev-2352	143	16	receipt	receipt	NOUN
inlawrev-2352	143	17	are	be	AUX
inlawrev-2352	143	18	to	to	PART
inlawrev-2352	143	19	be	be	AUX
inlawrev-2352	143	20	treated	treat	VERB
inlawrev-2352	143	21	as	as	ADP
inlawrev-2352	143	22	conditions	condition	NOUN
inlawrev-2352	143	23	subsequent,'"^^	subsequent,'"^^	PROPN
inlawrev-2352	143	24	the	the	DET
inlawrev-2352	143	25	court	court	NOUN
inlawrev-2352	143	26	did	do	AUX
inlawrev-2352	143	27	not	not	PART
inlawrev-2352	143	28	recognize	recognize	VERB
inlawrev-2352	143	29	that	that	SCONJ
inlawrev-2352	143	30	the	the	DET
inlawrev-2352	143	31	application	application	NOUN
inlawrev-2352	143	32	of	of	ADP
inlawrev-2352	143	33	the	the	DET
inlawrev-2352	143	34	condition	condition	NOUN
inlawrev-2352	143	35	precedent	precedent	NOUN
inlawrev-2352	143	36	theory	theory	NOUN
inlawrev-2352	143	37	is	be	AUX
inlawrev-2352	143	38	entirely	entirely	ADV
inlawrev-2352	143	39	appropriate	appropriate	ADJ
inlawrev-2352	143	40	to	to	ADP
inlawrev-2352	143	41	insurability	insurability	NOUN
inlawrev-2352	143	42	receipts	receipt	NOUN
inlawrev-2352	143	43	.	.	PUNCT
inlawrev-2352	144	1	if	if	SCONJ
inlawrev-2352	144	2	an	an	DET
inlawrev-2352	144	3	insurability	insurability	NOUN
inlawrev-2352	144	4	receipt	receipt	NOUN
inlawrev-2352	144	5	is	be	AUX
inlawrev-2352	144	6	used	use	VERB
inlawrev-2352	144	7	,	,	PUNCT
inlawrev-2352	144	8	the	the	DET
inlawrev-2352	144	9	company	company	NOUN
inlawrev-2352	144	10	should	should	AUX
inlawrev-2352	144	11	be	be	AUX
inlawrev-2352	144	12	under	under	ADP
inlawrev-2352	144	13	an	an	DET
inlawrev-2352	144	14	affirmative	affirmative	ADJ
inlawrev-2352	144	15	duty	duty	NOUN
inlawrev-2352	144	16	to	to	PART
inlawrev-2352	144	17	make	make	VERB
inlawrev-2352	144	18	a	a	DET
inlawrev-2352	144	19	good	good	ADJ
inlawrev-2352	144	20	faith	faith	NOUN
inlawrev-2352	144	21	effort	effort	NOUN
inlawrev-2352	144	22	to	to	PART
inlawrev-2352	144	23	determine	determine	VERB
inlawrev-2352	144	24	if	if	SCONJ
inlawrev-2352	144	25	the	the	DET
inlawrev-2352	144	26	applicant	applicant	NOUN
inlawrev-2352	144	27	was	be	AUX
inlawrev-2352	144	28	insurable	insurable	ADJ
inlawrev-2352	144	29	according	accord	VERB
inlawrev-2352	144	30	to	to	ADP
inlawrev-2352	144	31	the	the	DET
inlawrev-2352	144	32	company	company	NOUN
inlawrev-2352	144	33	's	's	PART
inlawrev-2352	144	34	underwriting	underwriting	NOUN
inlawrev-2352	144	35	rules	rule	NOUN
inlawrev-2352	144	36	at	at	ADP
inlawrev-2352	144	37	the	the	DET
inlawrev-2352	144	38	time	time	NOUN
inlawrev-2352	144	39	the	the	DET
inlawrev-2352	144	40	application	application	NOUN
inlawrev-2352	144	41	was	be	AUX
inlawrev-2352	144	42	completed	complete	VERB
inlawrev-2352	144	43	and	and	CCONJ
inlawrev-2352	144	44	the	the	DET
inlawrev-2352	144	45	receipt	receipt	NOUN
inlawrev-2352	144	46	given	give	VERB
inlawrev-2352	144	47	.	.	PUNCT
inlawrev-2352	145	1	if	if	SCONJ
inlawrev-2352	145	2	the	the	DET
inlawrev-2352	145	3	applicant	applicant	NOUN
inlawrev-2352	145	4	is	be	AUX
inlawrev-2352	145	5	found	find	VERB
inlawrev-2352	145	6	to	to	PART
inlawrev-2352	145	7	have	have	AUX
inlawrev-2352	145	8	been	be	AUX
inlawrev-2352	145	9	insurable	insurable	ADJ
inlawrev-2352	145	10	,	,	PUNCT
inlawrev-2352	145	11	the	the	DET
inlawrev-2352	145	12	condition	condition	NOUN
inlawrev-2352	145	13	precedent	precedent	NOUN
inlawrev-2352	145	14	is	be	AUX
inlawrev-2352	145	15	met	meet	VERB
inlawrev-2352	145	16	.	.	PUNCT
inlawrev-2352	146	1	on	on	ADP
inlawrev-2352	146	2	the	the	DET
inlawrev-2352	146	3	other	other	ADJ
inlawrev-2352	146	4	hand	hand	NOUN
inlawrev-2352	146	5	,	,	PUNCT
inlawrev-2352	146	6	the	the	DET
inlawrev-2352	146	7	application	application	NOUN
inlawrev-2352	146	8	of	of	ADP
inlawrev-2352	146	9	the	the	DET
inlawrev-2352	146	10	condition	condition	NOUN
inlawrev-2352	146	11	precedent	precedent	NOUN
inlawrev-2352	146	12	theory	theory	NOUN
inlawrev-2352	146	13	to	to	ADP
inlawrev-2352	146	14	approval	approval	NOUN
inlawrev-2352	146	15	receipts	receipt	NOUN
inlawrev-2352	146	16	does	do	AUX
inlawrev-2352	146	17	not	not	PART
inlawrev-2352	146	18	place	place	VERB
inlawrev-2352	146	19	as	as	ADV
inlawrev-2352	146	20	strong	strong	ADJ
inlawrev-2352	146	21	a	a	DET
inlawrev-2352	146	22	duty	duty	NOUN
inlawrev-2352	146	23	on	on	ADP
inlawrev-2352	146	24	the	the	DET
inlawrev-2352	146	25	insurer	insurer	NOUN
inlawrev-2352	146	26	,	,	PUNCT
inlawrev-2352	146	27	since	since	SCONJ
inlawrev-2352	146	28	the	the	DET
inlawrev-2352	146	29	only	only	ADJ
inlawrev-2352	146	30	action	action	NOUN
inlawrev-2352	146	31	it	it	PRON
inlawrev-2352	146	32	would	would	AUX
inlawrev-2352	146	33	be	be	AUX
inlawrev-2352	146	34	required	require	VERB
inlawrev-2352	146	35	to	to	PART
inlawrev-2352	146	36	take	take	VERB
inlawrev-2352	146	37	would	would	AUX
inlawrev-2352	146	38	be	be	AUX
inlawrev-2352	146	39	to	to	PART
inlawrev-2352	146	40	approve	approve	VERB
inlawrev-2352	146	41	or	or	CCONJ
inlawrev-2352	146	42	reject	reject	VERB
inlawrev-2352	146	43	the	the	DET
inlawrev-2352	146	44	application	application	NOUN
inlawrev-2352	146	45	.	.	PUNCT
inlawrev-2352	147	1	the	the	DET
inlawrev-2352	147	2	company	company	NOUN
inlawrev-2352	147	3	would	would	AUX
inlawrev-2352	147	4	have	have	VERB
inlawrev-2352	147	5	no	no	DET
inlawrev-2352	147	6	duty	duty	NOUN
inlawrev-2352	147	7	to	to	PART
inlawrev-2352	147	8	continue	continue	VERB
inlawrev-2352	147	9	to	to	PART
inlawrev-2352	147	10	investigate	investigate	VERB
inlawrev-2352	147	11	the	the	DET
inlawrev-2352	147	12	applicant	applicant	NOUN
inlawrev-2352	147	13	's	's	PART
inlawrev-2352	147	14	insurability	insurability	NOUN
inlawrev-2352	147	15	.	.	PUNCT
inlawrev-2352	148	1	such	such	DET
inlawrev-2352	148	2	a	a	DET
inlawrev-2352	148	3	result	result	NOUN
inlawrev-2352	148	4	would	would	AUX
inlawrev-2352	148	5	be	be	AUX
inlawrev-2352	148	6	unconscionable.*^	unconscionable.*^	ADJ
inlawrev-2352	148	7	kaiser	kaiser	NOUN
inlawrev-2352	148	8	also	also	ADV
inlawrev-2352	148	9	drew	draw	VERB
inlawrev-2352	148	10	upon	upon	SCONJ
inlawrev-2352	148	11	the	the	DET
inlawrev-2352	148	12	decision	decision	NOUN
inlawrev-2352	148	13	in	in	ADP
inlawrev-2352	148	14	service	service	NOUN
inlawrev-2352	148	15	v.	v.	ADP
inlawrev-2352	148	16	pyramid	pyramid	PROPN
inlawrev-2352	148	17	life	life	NOUN
inlawrev-2352	148	18	insurance	insurance	NOUN
inlawrev-2352	148	19	co.^^	co.^^	NOUN
inlawrev-2352	148	20	in	in	ADP
inlawrev-2352	148	21	this	this	DET
inlawrev-2352	148	22	case	case	NOUN
inlawrev-2352	148	23	,	,	PUNCT
inlawrev-2352	148	24	mr	mr	PROPN
inlawrev-2352	148	25	.	.	PROPN
inlawrev-2352	148	26	and	and	CCONJ
inlawrev-2352	148	27	mrs	mrs	PROPN
inlawrev-2352	148	28	.	.	PROPN
inlawrev-2352	148	29	service	service	PROPN
inlawrev-2352	148	30	had	have	AUX
inlawrev-2352	148	31	met	meet	VERB
inlawrev-2352	148	32	with	with	ADP
inlawrev-2352	148	33	their	their	PRON
inlawrev-2352	148	34	local	local	ADJ
inlawrev-2352	148	35	insurance	insurance	NOUN
inlawrev-2352	148	36	agent	agent	NOUN
inlawrev-2352	148	37	and	and	CCONJ
inlawrev-2352	148	38	a	a	DET
inlawrev-2352	148	39	regional	regional	ADJ
inlawrev-2352	148	40	manager	manager	NOUN
inlawrev-2352	148	41	of	of	ADP
inlawrev-2352	148	42	the	the	DET
inlawrev-2352	148	43	company	company	NOUN
inlawrev-2352	148	44	to	to	PART
inlawrev-2352	148	45	purchase	purchase	VERB
inlawrev-2352	148	46	life	life	NOUN
inlawrev-2352	148	47	insurance	insurance	NOUN
inlawrev-2352	148	48	.	.	PUNCT
inlawrev-2352	149	1	they	they	PRON
inlawrev-2352	149	2	had	have	AUX
inlawrev-2352	149	3	each	each	PRON
inlawrev-2352	149	4	applied	apply	VERB
inlawrev-2352	149	5	for	for	ADP
inlawrev-2352	149	6	$	$	SYM
inlawrev-2352	149	7	20,800	20,800	NUM
inlawrev-2352	149	8	of	of	ADP
inlawrev-2352	149	9	life	life	NOUN
inlawrev-2352	149	10	insurance	insurance	NOUN
inlawrev-2352	149	11	,	,	PUNCT
inlawrev-2352	149	12	paid	pay	VERB
inlawrev-2352	149	13	$	$	SYM
inlawrev-2352	149	14	31.34	31.34	NUM
inlawrev-2352	149	15	for	for	ADP
inlawrev-2352	149	16	the	the	DET
inlawrev-2352	149	17	first	first	ADJ
inlawrev-2352	149	18	quarterly	quarterly	ADJ
inlawrev-2352	149	19	premium	premium	NOUN
inlawrev-2352	149	20	,	,	PUNCT
inlawrev-2352	149	21	and	and	CCONJ
inlawrev-2352	149	22	received	receive	VERB
inlawrev-2352	149	23	a	a	DET
inlawrev-2352	149	24	conditional	conditional	ADJ
inlawrev-2352	149	25	receipt	receipt	NOUN
inlawrev-2352	149	26	which	which	PRON
inlawrev-2352	149	27	had	have	VERB
inlawrev-2352	149	28	the	the	DET
inlawrev-2352	149	29	following	following	ADJ
inlawrev-2352	149	30	terms	term	NOUN
inlawrev-2352	149	31	:	:	PUNCT
inlawrev-2352	149	32	'	'	PUNCT
inlawrev-2352	149	33	"	"	PUNCT
inlawrev-2352	149	34	that	that	SCONJ
inlawrev-2352	149	35	if	if	SCONJ
inlawrev-2352	149	36	the	the	DET
inlawrev-2352	149	37	company	company	NOUN
inlawrev-2352	149	38	at	at	ADP
inlawrev-2352	149	39	its	its	PRON
inlawrev-2352	149	40	home	home	NOUN
inlawrev-2352	149	41	office	office	NOUN
inlawrev-2352	149	42	after	after	ADP
inlawrev-2352	149	43	investigation	investigation	NOUN
inlawrev-2352	149	44	shall	shall	AUX
inlawrev-2352	149	45	he	he	PRON
inlawrev-2352	149	46	satisfied	satisfy	VERB
inlawrev-2352	149	47	that	that	SCONJ
inlawrev-2352	149	48	on	on	ADP
inlawrev-2352	149	49	the	the	DET
inlawrev-2352	149	50	date	date	NOUN
inlawrev-2352	149	51	hereof	hereof	ADV
inlawrev-2352	149	52	,	,	PUNCT
inlawrev-2352	149	53	or	or	CCONJ
inlawrev-2352	149	54	on	on	ADP
inlawrev-2352	149	55	the	the	DET
inlawrev-2352	149	56	date	date	NOUN
inlawrev-2352	149	57	*	*	PUNCT
inlawrev-2352	149	58	°	°	NOUN
inlawrev-2352	149	59	see	see	VERB
inlawrev-2352	149	60	text	text	NOUN
inlawrev-2352	149	61	accompanying	accompanying	ADJ
inlawrev-2352	149	62	note	note	NOUN
inlawrev-2352	149	63	19	19	NUM
inlawrev-2352	149	64	supra	supra	NOUN
inlawrev-2352	149	65	.	.	PUNCT
inlawrev-2352	150	1	^'339	^'339	PROPN
inlawrev-2352	150	2	n.e.2d	n.e.2d	NOUN
inlawrev-2352	150	3	at	at	ADP
inlawrev-2352	150	4	604	604	NUM
inlawrev-2352	150	5	.	.	PUNCT
inlawrev-2352	151	1	"	"	PUNCT
inlawrev-2352	151	2	the	the	DET
inlawrev-2352	151	3	general	general	ADJ
inlawrev-2352	151	4	rule	rule	NOUN
inlawrev-2352	151	5	has	have	AUX
inlawrev-2352	151	6	been	be	AUX
inlawrev-2352	151	7	that	that	SCONJ
inlawrev-2352	151	8	if	if	SCONJ
inlawrev-2352	151	9	an	an	DET
inlawrev-2352	151	10	insurability	insurability	NOUN
inlawrev-2352	151	11	receipt	receipt	NOUN
inlawrev-2352	151	12	is	be	AUX
inlawrev-2352	151	13	used	use	VERB
inlawrev-2352	151	14	,	,	PUNCT
inlawrev-2352	151	15	insurability	insurability	PROPN
inlawrev-2352	151	16	is	be	AUX
inlawrev-2352	151	17	a	a	DET
inlawrev-2352	151	18	condition	condition	NOUN
inlawrev-2352	151	19	precedent	precedent	NOUN
inlawrev-2352	151	20	to	to	ADP
inlawrev-2352	151	21	the	the	DET
inlawrev-2352	151	22	formation	formation	NOUN
inlawrev-2352	151	23	of	of	ADP
inlawrev-2352	151	24	the	the	DET
inlawrev-2352	151	25	contract	contract	NOUN
inlawrev-2352	151	26	;	;	PUNCT
inlawrev-2352	151	27	if	if	SCONJ
inlawrev-2352	151	28	an	an	DET
inlawrev-2352	151	29	approval	approval	NOUN
inlawrev-2352	151	30	receipt	receipt	NOUN
inlawrev-2352	151	31	is	be	AUX
inlawrev-2352	151	32	used	use	VERB
inlawrev-2352	151	33	,	,	PUNCT
inlawrev-2352	151	34	the	the	DET
inlawrev-2352	151	35	company	company	NOUN
inlawrev-2352	151	36	's	's	PART
inlawrev-2352	151	37	approval	approval	NOUN
inlawrev-2352	151	38	is	be	AUX
inlawrev-2352	151	39	a	a	DET
inlawrev-2352	151	40	condition	condition	NOUN
inlawrev-2352	151	41	precedent	precedent	NOUN
inlawrev-2352	151	42	.	.	PUNCT
inlawrev-2352	152	1	annot	annot	ADV
inlawrev-2352	152	2	.	.	PUNCT
inlawrev-2352	152	3	,	,	PUNCT
inlawrev-2352	152	4	2	2	NUM
inlawrev-2352	152	5	a.l.r.2d	a.l.r.2d	PROPN
inlawrev-2352	152	6	943	943	NUM
inlawrev-2352	152	7	,	,	PUNCT
inlawrev-2352	152	8	964	964	NUM
inlawrev-2352	152	9	,	,	PUNCT
inlawrev-2352	152	10	986	986	NUM
inlawrev-2352	152	11	(	(	PUNCT
inlawrev-2352	152	12	1948	1948	NUM
inlawrev-2352	152	13	)	)	PUNCT
inlawrev-2352	152	14	.	.	PUNCT
inlawrev-2352	153	1	the	the	DET
inlawrev-2352	153	2	safest	safe	ADJ
inlawrev-2352	153	3	position	position	NOUN
inlawrev-2352	153	4	for	for	SCONJ
inlawrev-2352	153	5	the	the	DET
inlawrev-2352	153	6	insurer	insurer	NOUN
inlawrev-2352	153	7	to	to	PART
inlawrev-2352	153	8	take	take	VERB
inlawrev-2352	153	9	is	be	AUX
inlawrev-2352	153	10	that	that	SCONJ
inlawrev-2352	153	11	insurability	insurability	NOUN
inlawrev-2352	153	12	is	be	AUX
inlawrev-2352	153	13	determined	determine	VERB
inlawrev-2352	153	14	as	as	ADP
inlawrev-2352	153	15	of	of	ADP
inlawrev-2352	153	16	the	the	DET
inlawrev-2352	153	17	date	date	NOUN
inlawrev-2352	153	18	specified	specify	VERB
inlawrev-2352	153	19	in	in	ADP
inlawrev-2352	153	20	the	the	DET
inlawrev-2352	153	21	receipt	receipt	NOUN
inlawrev-2352	153	22	,	,	PUNCT
inlawrev-2352	153	23	and	and	CCONJ
inlawrev-2352	153	24	not	not	PART
inlawrev-2352	153	25	at	at	ADP
inlawrev-2352	153	26	some	some	DET
inlawrev-2352	153	27	later	later	ADJ
inlawrev-2352	153	28	date	date	NOUN
inlawrev-2352	153	29	.	.	PUNCT
inlawrev-2352	154	1	if	if	SCONJ
inlawrev-2352	154	2	the	the	DET
inlawrev-2352	154	3	insurer	insurer	NOUN
inlawrev-2352	154	4	agrees	agree	VERB
inlawrev-2352	154	5	to	to	PART
inlawrev-2352	154	6	issue	issue	VERB
inlawrev-2352	154	7	a	a	DET
inlawrev-2352	154	8	policy	policy	NOUN
inlawrev-2352	154	9	to	to	ADP
inlawrev-2352	154	10	an	an	DET
inlawrev-2352	154	11	applicant	applicant	NOUN
inlawrev-2352	154	12	whose	whose	DET
inlawrev-2352	154	13	health	health	NOUN
inlawrev-2352	154	14	has	have	AUX
inlawrev-2352	154	15	deteriorated	deteriorate	VERB
inlawrev-2352	154	16	after	after	ADP
inlawrev-2352	154	17	the	the	DET
inlawrev-2352	154	18	date	date	NOUN
inlawrev-2352	154	19	of	of	ADP
inlawrev-2352	154	20	the	the	DET
inlawrev-2352	154	21	application	application	NOUN
inlawrev-2352	154	22	and	and	CCONJ
inlawrev-2352	154	23	medical	medical	ADJ
inlawrev-2352	154	24	examination	examination	NOUN
inlawrev-2352	154	25	,	,	PUNCT
inlawrev-2352	154	26	but	but	CCONJ
inlawrev-2352	154	27	who	who	PRON
inlawrev-2352	154	28	was	be	AUX
inlawrev-2352	154	29	an	an	DET
inlawrev-2352	154	30	insurable	insurable	ADJ
inlawrev-2352	154	31	risk	risk	NOUN
inlawrev-2352	154	32	on	on	ADP
inlawrev-2352	154	33	the	the	DET
inlawrev-2352	154	34	latter	latter	NOUN
inlawrev-2352	154	35	of	of	ADP
inlawrev-2352	154	36	those	those	DET
inlawrev-2352	154	37	two	two	NUM
inlawrev-2352	154	38	dates	date	NOUN
inlawrev-2352	154	39	,	,	PUNCT
inlawrev-2352	154	40	rather	rather	ADV
inlawrev-2352	154	41	than	than	ADP
inlawrev-2352	154	42	insisting	insist	VERB
inlawrev-2352	154	43	that	that	SCONJ
inlawrev-2352	154	44	insurability	insurability	NOUN
inlawrev-2352	154	45	must	must	AUX
inlawrev-2352	154	46	be	be	AUX
inlawrev-2352	154	47	present	present	ADJ
inlawrev-2352	154	48	until	until	ADP
inlawrev-2352	154	49	delivery	delivery	NOUN
inlawrev-2352	154	50	of	of	ADP
inlawrev-2352	154	51	the	the	DET
inlawrev-2352	154	52	policy	policy	NOUN
inlawrev-2352	154	53	itself	itself	PRON
inlawrev-2352	154	54	,	,	PUNCT
inlawrev-2352	154	55	he	he	PRON
inlawrev-2352	154	56	may	may	AUX
inlawrev-2352	154	57	avoid	avoid	VERB
inlawrev-2352	154	58	claims	claim	NOUN
inlawrev-2352	154	59	of	of	ADP
inlawrev-2352	154	60	unconscionability	unconscionability	NOUN
inlawrev-2352	154	61	.	.	PUNCT
inlawrev-2352	155	1	the	the	DET
inlawrev-2352	155	2	purpose	purpose	NOUN
inlawrev-2352	155	3	of	of	ADP
inlawrev-2352	155	4	insurability	insurability	NOUN
inlawrev-2352	155	5	receipts	receipt	NOUN
inlawrev-2352	155	6	should	should	AUX
inlawrev-2352	155	7	be	be	AUX
inlawrev-2352	155	8	to	to	PART
inlawrev-2352	155	9	"	"	PUNCT
inlawrev-2352	155	10	freeze	freeze	VERB
inlawrev-2352	155	11	"	"	PUNCT
inlawrev-2352	155	12	the	the	DET
inlawrev-2352	155	13	applicant	applicant	NOUN
inlawrev-2352	155	14	's	's	PART
inlawrev-2352	155	15	status	status	NOUN
inlawrev-2352	155	16	from	from	ADP
inlawrev-2352	155	17	the	the	DET
inlawrev-2352	155	18	time	time	NOUN
inlawrev-2352	155	19	of	of	ADP
inlawrev-2352	155	20	the	the	DET
inlawrev-2352	155	21	application	application	NOUN
inlawrev-2352	155	22	and	and	CCONJ
inlawrev-2352	155	23	medical	medical	ADJ
inlawrev-2352	155	24	examination	examination	NOUN
inlawrev-2352	155	25	to	to	ADP
inlawrev-2352	155	26	the	the	DET
inlawrev-2352	155	27	time	time	NOUN
inlawrev-2352	155	28	of	of	ADP
inlawrev-2352	155	29	actual	actual	ADJ
inlawrev-2352	155	30	delivery	delivery	NOUN
inlawrev-2352	155	31	of	of	ADP
inlawrev-2352	155	32	the	the	DET
inlawrev-2352	155	33	policy	policy	NOUN
inlawrev-2352	155	34	.	.	PUNCT
inlawrev-2352	156	1	see	see	VERB
inlawrev-2352	156	2	annot	annot	ADV
inlawrev-2352	156	3	.	.	PUNCT
inlawrev-2352	157	1	,	,	PUNCT
inlawrev-2352	157	2	2	2	NUM
inlawrev-2352	157	3	a.l.r.2d	a.l.r.2d	PROPN
inlawrev-2352	157	4	943	943	NUM
inlawrev-2352	157	5	,	,	PUNCT
inlawrev-2352	157	6	988	988	NUM
inlawrev-2352	157	7	-	-	SYM
inlawrev-2352	157	8	92	92	NUM
inlawrev-2352	157	9	(	(	PUNCT
inlawrev-2352	157	10	1948	1948	NUM
inlawrev-2352	157	11	)	)	PUNCT
inlawrev-2352	157	12	;	;	PUNCT
inlawrev-2352	157	13	fortunato	fortunato	PROPN
inlawrev-2352	157	14	,	,	PUNCT
inlawrev-2352	157	15	supra	supra	PROPN
inlawrev-2352	157	16	note	note	NOUN
inlawrev-2352	157	17	1	1	NUM
inlawrev-2352	157	18	,	,	PUNCT
inlawrev-2352	157	19	at	at	ADP
inlawrev-2352	157	20	21	21	NUM
inlawrev-2352	157	21	-	-	SYM
inlawrev-2352	157	22	22	22	NUM
inlawrev-2352	157	23	.	.	PUNCT
inlawrev-2352	158	1	"	"	PUNCT
inlawrev-2352	158	2	201	201	NUM
inlawrev-2352	158	3	kan	kan	X
inlawrev-2352	158	4	.	.	PROPN
inlawrev-2352	158	5	196	196	NUM
inlawrev-2352	158	6	,	,	PUNCT
inlawrev-2352	158	7	440	440	NUM
inlawrev-2352	158	8	p.2d	p.2d	SYM
inlawrev-2352	158	9	944	944	NUM
inlawrev-2352	158	10	(	(	PUNCT
inlawrev-2352	158	11	1968	1968	NUM
inlawrev-2352	158	12	)	)	PUNCT
inlawrev-2352	158	13	.	.	PUNCT
inlawrev-2352	159	1	1979	1979	NUM
inlawrev-2352	159	2	]	]	PUNCT
inlawrev-2352	159	3	conditional	conditional	ADJ
inlawrev-2352	159	4	receipts	receipt	NOUN
inlawrev-2352	159	5	785	785	NUM
inlawrev-2352	159	6	of	of	ADP
inlawrev-2352	159	7	the	the	DET
inlawrev-2352	159	8	medical	medical	ADJ
inlawrev-2352	159	9	examination	examination	NOUN
inlawrev-2352	159	10	for	for	ADP
inlawrev-2352	159	11	such	such	ADJ
inlawrev-2352	159	12	insurance	insurance	NOUN
inlawrev-2352	159	13	,	,	PUNCT
inlawrev-2352	159	14	whichever	whichever	PRON
inlawrev-2352	159	15	is	be	AUX
inlawrev-2352	159	16	later	later	ADV
inlawrev-2352	159	17	,	,	PUNCT
inlawrev-2352	159	18	each	each	DET
inlawrev-2352	159	19	person	person	NOUN
inlawrev-2352	159	20	,	,	PUNCT
inlawrev-2352	159	21	proposed	propose	VERB
inlawrev-2352	159	22	for	for	ADP
inlawrev-2352	159	23	insurance	insurance	NOUN
inlawrev-2352	159	24	was	be	AUX
inlawrev-2352	159	25	insurable	insurable	ADJ
inlawrev-2352	159	26	and	and	CCONJ
inlawrev-2352	159	27	entitled	entitle	VERB
inlawrev-2352	159	28	under	under	ADP
inlawrev-2352	159	29	the	the	DET
inlawrev-2352	159	30	company	company	NOUN
inlawrev-2352	159	31	's	's	PART
inlawrev-2352	159	32	rules	rule	NOUN
inlawrev-2352	159	33	and	and	CCONJ
inlawrev-2352	159	34	standards	standard	NOUN
inlawrev-2352	159	35	to	to	ADP
inlawrev-2352	159	36	insurance	insurance	NOUN
inlawrev-2352	159	37	on	on	ADP
inlawrev-2352	159	38	the	the	DET
inlawrev-2352	159	39	plan	plan	NOUN
inlawrev-2352	159	40	and	and	CCONJ
inlawrev-2352	159	41	for	for	ADP
inlawrev-2352	159	42	the	the	DET
inlawrev-2352	159	43	amount	amount	NOUN
inlawrev-2352	159	44	applied	apply	VERB
inlawrev-2352	159	45	for	for	ADP
inlawrev-2352	159	46	at	at	ADP
inlawrev-2352	159	47	the	the	DET
inlawrev-2352	159	48	company	company	NOUN
inlawrev-2352	159	49	's	's	PART
inlawrev-2352	159	50	published	publish	VERB
inlawrev-2352	159	51	rates	rate	NOUN
inlawrev-2352	159	52	corresponding	correspond	VERB
inlawrev-2352	159	53	to	to	ADP
inlawrev-2352	159	54	the	the	DET
inlawrev-2352	159	55	age	age	NOUN
inlawrev-2352	159	56	of	of	ADP
inlawrev-2352	159	57	each	each	DET
inlawrev-2352	159	58	person	person	NOUN
inlawrev-2352	159	59	proposed	propose	VERB
inlawrev-2352	159	60	for	for	ADP
inlawrev-2352	159	61	insurance	insurance	NOUN
inlawrev-2352	159	62	,	,	PUNCT
inlawrev-2352	159	63	the	the	DET
inlawrev-2352	159	64	insurance	insurance	NOUN
inlawrev-2352	159	65	protection	protection	NOUN
inlawrev-2352	159	66	applied	apply	VERB
inlawrev-2352	159	67	for	for	ADP
inlawrev-2352	159	68	shall	shall	AUX
inlawrev-2352	159	69	by	by	ADP
inlawrev-2352	159	70	reason	reason	NOUN
inlawrev-2352	159	71	of	of	ADP
inlawrev-2352	159	72	such	such	ADJ
inlawrev-2352	159	73	payment	payment	NOUN
inlawrev-2352	159	74	.	.	PUNCT
inlawrev-2352	159	75	.	.	PUNCT
inlawrev-2352	160	1	.	.	PUNCT
inlawrev-2352	161	1	take	take	VERB
inlawrev-2352	161	2	effect	effect	NOUN
inlawrev-2352	161	3	from	from	ADP
inlawrev-2352	161	4	the	the	DET
inlawrev-2352	161	5	date	date	NOUN
inlawrev-2352	161	6	hereof	hereof	ADJ
inlawrev-2352	161	7	or	or	CCONJ
inlawrev-2352	161	8	from	from	ADP
inlawrev-2352	161	9	the	the	DET
inlawrev-2352	161	10	date	date	NOUN
inlawrev-2352	161	11	of	of	ADP
inlawrev-2352	161	12	such	such	ADJ
inlawrev-2352	161	13	medical	medical	ADJ
inlawrev-2352	161	14	examination	examination	NOUN
inlawrev-2352	161	15	,	,	PUNCT
inlawrev-2352	161	16	whichever	whichever	PRON
inlawrev-2352	161	17	is	be	AUX
inlawrev-2352	161	18	later	later	ADV
inlawrev-2352	161	19	.	.	PUNCT
inlawrev-2352	161	20	'	'	PUNCT
inlawrev-2352	162	1	'	'	PUNCT
inlawrev-2352	162	2	'	'	NUM
inlawrev-2352	162	3	^^	^^	PUNCT
inlawrev-2352	162	4	at	at	ADP
inlawrev-2352	162	5	the	the	DET
inlawrev-2352	162	6	time	time	NOUN
inlawrev-2352	162	7	the	the	DET
inlawrev-2352	162	8	application	application	NOUN
inlawrev-2352	162	9	was	be	AUX
inlawrev-2352	162	10	completed	complete	VERB
inlawrev-2352	162	11	and	and	CCONJ
inlawrev-2352	162	12	the	the	DET
inlawrev-2352	162	13	check	check	NOUN
inlawrev-2352	162	14	for	for	ADP
inlawrev-2352	162	15	the	the	DET
inlawrev-2352	162	16	first	first	ADJ
inlawrev-2352	162	17	premium	premium	NOUN
inlawrev-2352	162	18	was	be	AUX
inlawrev-2352	162	19	tendered	tender	VERB
inlawrev-2352	162	20	,	,	PUNCT
inlawrev-2352	162	21	mrs	mrs	PROPN
inlawrev-2352	162	22	.	.	PROPN
inlawrev-2352	162	23	service	service	PROPN
inlawrev-2352	162	24	had	have	AUX
inlawrev-2352	162	25	asked	ask	VERB
inlawrev-2352	162	26	the	the	DET
inlawrev-2352	162	27	regional	regional	ADJ
inlawrev-2352	162	28	manager	manager	NOUN
inlawrev-2352	162	29	if	if	SCONJ
inlawrev-2352	162	30	mr	mr	PROPN
inlawrev-2352	162	31	.	.	PROPN
inlawrev-2352	162	32	service	service	PROPN
inlawrev-2352	162	33	would	would	AUX
inlawrev-2352	162	34	be	be	AUX
inlawrev-2352	162	35	covered	cover	VERB
inlawrev-2352	162	36	.	.	PUNCT
inlawrev-2352	163	1	the	the	DET
inlawrev-2352	163	2	regional	regional	ADJ
inlawrev-2352	163	3	manager	manager	NOUN
inlawrev-2352	163	4	had	have	AUX
inlawrev-2352	163	5	told	tell	VERB
inlawrev-2352	163	6	her	she	PRON
inlawrev-2352	163	7	that	that	SCONJ
inlawrev-2352	163	8	mr	mr	PROPN
inlawrev-2352	163	9	.	.	PROPN
inlawrev-2352	163	10	service	service	PROPN
inlawrev-2352	163	11	"	"	PUNCT
inlawrev-2352	163	12	was	be	AUX
inlawrev-2352	163	13	covered	cover	VERB
inlawrev-2352	163	14	upon	upon	SCONJ
inlawrev-2352	163	15	payment	payment	NOUN
inlawrev-2352	163	16	of	of	ADP
inlawrev-2352	163	17	the	the	DET
inlawrev-2352	163	18	first	first	ADJ
inlawrev-2352	163	19	premium/'*^	premium/'*^	NOUN
inlawrev-2352	163	20	the	the	DET
inlawrev-2352	163	21	application	application	NOUN
inlawrev-2352	163	22	,	,	PUNCT
inlawrev-2352	163	23	medical	medical	ADJ
inlawrev-2352	163	24	examination	examination	NOUN
inlawrev-2352	163	25	,	,	PUNCT
inlawrev-2352	163	26	and	and	CCONJ
inlawrev-2352	163	27	check	check	VERB
inlawrev-2352	163	28	for	for	ADP
inlawrev-2352	163	29	the	the	DET
inlawrev-2352	163	30	first	first	ADJ
inlawrev-2352	163	31	premium	premium	NOUN
inlawrev-2352	163	32	had	have	AUX
inlawrev-2352	163	33	all	all	PRON
inlawrev-2352	163	34	been	be	AUX
inlawrev-2352	163	35	received	receive	VERB
inlawrev-2352	163	36	by	by	ADP
inlawrev-2352	163	37	the	the	DET
inlawrev-2352	163	38	company	company	NOUN
inlawrev-2352	163	39	by	by	ADP
inlawrev-2352	163	40	july	july	PROPN
inlawrev-2352	163	41	7	7	NUM
inlawrev-2352	163	42	,	,	PUNCT
inlawrev-2352	163	43	1964	1964	NUM
inlawrev-2352	163	44	.	.	PUNCT
inlawrev-2352	164	1	the	the	DET
inlawrev-2352	164	2	trial	trial	NOUN
inlawrev-2352	164	3	court	court	NOUN
inlawrev-2352	164	4	found	find	VERB
inlawrev-2352	164	5	:	:	PUNCT
inlawrev-2352	164	6	"	"	PUNCT
inlawrev-2352	164	7	by	by	ADP
inlawrev-2352	164	8	july	july	PROPN
inlawrev-2352	164	9	16	16	NUM
inlawrev-2352	164	10	,	,	PUNCT
inlawrev-2352	164	11	196a	196a	NUM
inlawrev-2352	164	12	,	,	PUNCT
inlawrev-2352	164	13	the	the	DET
inlawrev-2352	164	14	defendant	defendant	NOUN
inlawrev-2352	164	15	company	company	NOUN
inlawrev-2352	164	16	was	be	AUX
inlawrev-2352	164	17	satisfied	satisfied	ADJ
inlawrev-2352	164	18	that	that	SCONJ
inlawrev-2352	164	19	on	on	ADP
inlawrev-2352	164	20	the	the	DET
inlawrev-2352	164	21	date	date	NOUN
inlawrev-2352	164	22	of	of	ADP
inlawrev-2352	164	23	the	the	DET
inlawrev-2352	164	24	application	application	NOUN
inlawrev-2352	164	25	the	the	DET
inlawrev-2352	164	26	said	say	VERB
inlawrev-2352	164	27	gerald	gerald	PROPN
inlawrev-2352	164	28	w.	w.	PROPN
inlawrev-2352	164	29	service	service	PROPN
inlawrev-2352	164	30	was	be	AUX
inlawrev-2352	164	31	insurable	insurable	ADJ
inlawrev-2352	164	32	and	and	CCONJ
inlawrev-2352	164	33	entitled	entitle	VERB
inlawrev-2352	164	34	under	under	ADP
inlawrev-2352	164	35	the	the	DET
inlawrev-2352	164	36	company	company	NOUN
inlawrev-2352	164	37	's	's	PART
inlawrev-2352	164	38	rules	rule	NOUN
inlawrev-2352	164	39	and	and	CCONJ
inlawrev-2352	164	40	standards	standard	NOUN
inlawrev-2352	164	41	to	to	ADP
inlawrev-2352	164	42	insurance	insurance	NOUN
inlawrev-2352	164	43	on	on	ADP
inlawrev-2352	164	44	the	the	DET
inlawrev-2352	164	45	plan	plan	NOUN
inlawrev-2352	164	46	and	and	CCONJ
inlawrev-2352	164	47	for	for	ADP
inlawrev-2352	164	48	the	the	DET
inlawrev-2352	164	49	amount	amount	NOUN
inlawrev-2352	164	50	applied	apply	VERB
inlawrev-2352	164	51	for/'^^	for/'^^	NUM
inlawrev-2352	164	52	gerald	gerald	PROPN
inlawrev-2352	164	53	service	service	NOUN
inlawrev-2352	164	54	died	die	VERB
inlawrev-2352	164	55	in	in	ADP
inlawrev-2352	164	56	an	an	DET
inlawrev-2352	164	57	automobile	automobile	NOUN
inlawrev-2352	164	58	accident	accident	NOUN
inlawrev-2352	164	59	on	on	ADP
inlawrev-2352	164	60	july	july	PROPN
inlawrev-2352	164	61	21	21	NUM
inlawrev-2352	164	62	.	.	PUNCT
inlawrev-2352	165	1	the	the	DET
inlawrev-2352	165	2	next	next	ADJ
inlawrev-2352	165	3	day	day	NOUN
inlawrev-2352	165	4	,	,	PUNCT
inlawrev-2352	165	5	the	the	DET
inlawrev-2352	165	6	local	local	ADJ
inlawrev-2352	165	7	insurance	insurance	NOUN
inlawrev-2352	165	8	agent	agent	NOUN
inlawrev-2352	165	9	telephoned	telephone	VERB
inlawrev-2352	165	10	the	the	DET
inlawrev-2352	165	11	company	company	NOUN
inlawrev-2352	165	12	,	,	PUNCT
inlawrev-2352	165	13	spoke	speak	VERB
inlawrev-2352	165	14	to	to	ADP
inlawrev-2352	165	15	an	an	DET
inlawrev-2352	165	16	officer	officer	NOUN
inlawrev-2352	165	17	of	of	ADP
inlawrev-2352	165	18	the	the	DET
inlawrev-2352	165	19	company	company	NOUN
inlawrev-2352	165	20	,	,	PUNCT
inlawrev-2352	165	21	and	and	CCONJ
inlawrev-2352	165	22	was	be	AUX
inlawrev-2352	165	23	told	tell	VERB
inlawrev-2352	165	24	that	that	SCONJ
inlawrev-2352	165	25	"	"	PUNCT
inlawrev-2352	165	26	everything	everything	PRON
inlawrev-2352	165	27	is	be	AUX
inlawrev-2352	165	28	in	in	ADP
inlawrev-2352	165	29	order/'^'^	order/'^'^	NOUN
inlawrev-2352	165	30	the	the	DET
inlawrev-2352	165	31	local	local	ADJ
inlawrev-2352	165	32	agent	agent	NOUN
inlawrev-2352	165	33	relayed	relay	VERB
inlawrev-2352	165	34	this	this	DET
inlawrev-2352	165	35	information	information	NOUN
inlawrev-2352	165	36	to	to	ADP
inlawrev-2352	165	37	mrs	mrs	PROPN
inlawrev-2352	165	38	.	.	PROPN
inlawrev-2352	165	39	service	service	NOUN
inlawrev-2352	165	40	and	and	CCONJ
inlawrev-2352	165	41	told	tell	VERB
inlawrev-2352	165	42	her	she	PRON
inlawrev-2352	165	43	that	that	SCONJ
inlawrev-2352	165	44	the	the	DET
inlawrev-2352	165	45	insurance	insurance	NOUN
inlawrev-2352	165	46	proceeds	proceed	NOUN
inlawrev-2352	165	47	would	would	AUX
inlawrev-2352	165	48	be	be	AUX
inlawrev-2352	165	49	paid	pay	VERB
inlawrev-2352	165	50	.	.	PUNCT
inlawrev-2352	166	1	in	in	ADP
inlawrev-2352	166	2	denying	deny	VERB
inlawrev-2352	166	3	liability	liability	NOUN
inlawrev-2352	166	4	,	,	PUNCT
inlawrev-2352	166	5	the	the	DET
inlawrev-2352	166	6	company	company	NOUN
inlawrev-2352	166	7	apparently	apparently	ADV
inlawrev-2352	166	8	claimed	claim	VERB
inlawrev-2352	166	9	that	that	SCONJ
inlawrev-2352	166	10	mr	mr	PROPN
inlawrev-2352	166	11	.	.	PROPN
inlawrev-2352	166	12	service	service	PROPN
inlawrev-2352	166	13	was	be	AUX
inlawrev-2352	166	14	not	not	PART
inlawrev-2352	166	15	insurable	insurable	ADJ
inlawrev-2352	166	16	.	.	PUNCT
inlawrev-2352	167	1	at	at	ADP
inlawrev-2352	167	2	trial	trial	NOUN
inlawrev-2352	167	3	,	,	PUNCT
inlawrev-2352	167	4	the	the	DET
inlawrev-2352	167	5	company	company	NOUN
inlawrev-2352	167	6	tried	try	VERB
inlawrev-2352	167	7	to	to	PART
inlawrev-2352	167	8	establish	establish	VERB
inlawrev-2352	167	9	that	that	SCONJ
inlawrev-2352	167	10	the	the	DET
inlawrev-2352	167	11	applicant	applicant	NOUN
inlawrev-2352	167	12	had	have	VERB
inlawrev-2352	167	13	a	a	DET
inlawrev-2352	167	14	history	history	NOUN
inlawrev-2352	167	15	of	of	ADP
inlawrev-2352	167	16	several	several	ADJ
inlawrev-2352	167	17	medical	medical	ADJ
inlawrev-2352	167	18	disorders	disorder	NOUN
inlawrev-2352	167	19	which	which	PRON
inlawrev-2352	167	20	had	have	AUX
inlawrev-2352	167	21	not	not	PART
inlawrev-2352	167	22	been	be	AUX
inlawrev-2352	167	23	disclosed	disclose	VERB
inlawrev-2352	167	24	in	in	ADP
inlawrev-2352	167	25	the	the	DET
inlawrev-2352	167	26	application	application	NOUN
inlawrev-2352	167	27	or	or	CCONJ
inlawrev-2352	167	28	on	on	ADP
inlawrev-2352	167	29	the	the	DET
inlawrev-2352	167	30	medical	medical	ADJ
inlawrev-2352	167	31	examination	examination	NOUN
inlawrev-2352	167	32	form	form	NOUN
inlawrev-2352	167	33	.	.	PUNCT
inlawrev-2352	168	1	'*^	'*^	NOUN
inlawrev-2352	168	2	there	there	PRON
inlawrev-2352	168	3	was	be	VERB
inlawrev-2352	168	4	evidence	evidence	NOUN
inlawrev-2352	168	5	that	that	SCONJ
inlawrev-2352	168	6	the	the	DET
inlawrev-2352	168	7	company	company	NOUN
inlawrev-2352	168	8	had	have	AUX
inlawrev-2352	168	9	informed	inform	VERB
inlawrev-2352	168	10	the	the	DET
inlawrev-2352	168	11	agent	agent	NOUN
inlawrev-2352	168	12	on	on	ADP
inlawrev-2352	168	13	july	july	PROPN
inlawrev-2352	168	14	16	16	NUM
inlawrev-2352	168	15	that	that	SCONJ
inlawrev-2352	168	16	both	both	DET
inlawrev-2352	168	17	mr	mr	PROPN
inlawrev-2352	168	18	.	.	PROPN
inlawrev-2352	168	19	and	and	CCONJ
inlawrev-2352	168	20	mrs	mrs	PROPN
inlawrev-2352	168	21	.	.	PROPN
inlawrev-2352	168	22	service	service	PROPN
inlawrev-2352	168	23	's	's	PART
inlawrev-2352	168	24	policies	policy	NOUN
inlawrev-2352	168	25	were	be	AUX
inlawrev-2352	168	26	ready	ready	ADJ
inlawrev-2352	168	27	to	to	PART
inlawrev-2352	168	28	be	be	AUX
inlawrev-2352	168	29	issued	issue	VERB
inlawrev-2352	168	30	,	,	PUNCT
inlawrev-2352	168	31	except	except	SCONJ
inlawrev-2352	168	32	for	for	ADP
inlawrev-2352	168	33	a	a	DET
inlawrev-2352	168	34	discrepancy	discrepancy	NOUN
inlawrev-2352	168	35	in	in	ADP
inlawrev-2352	168	36	mrs	mrs	PROPN
inlawrev-2352	168	37	.	.	PROPN
inlawrev-2352	168	38	service	service	PROPN
inlawrev-2352	168	39	's	's	PART
inlawrev-2352	168	40	date	date	NOUN
inlawrev-2352	168	41	of	of	ADP
inlawrev-2352	168	42	birth	birth	NOUN
inlawrev-2352	168	43	.	.	PUNCT
inlawrev-2352	169	1	it	it	PRON
inlawrev-2352	169	2	would	would	AUX
inlawrev-2352	169	3	seem	seem	VERB
inlawrev-2352	169	4	,	,	PUNCT
inlawrev-2352	169	5	therefore	therefore	ADV
inlawrev-2352	169	6	,	,	PUNCT
inlawrev-2352	169	7	that	that	SCONJ
inlawrev-2352	169	8	the	the	DET
inlawrev-2352	169	9	trial	trial	NOUN
inlawrev-2352	169	10	court	court	NOUN
inlawrev-2352	169	11	's	's	PART
inlawrev-2352	169	12	finding	finding	NOUN
inlawrev-2352	169	13	that	that	SCONJ
inlawrev-2352	169	14	mr	mr	PROPN
inlawrev-2352	169	15	.	.	PROPN
inlawrev-2352	169	16	service	service	PROPN
inlawrev-2352	169	17	was	be	AUX
inlawrev-2352	169	18	insurable	insurable	ADJ
inlawrev-2352	169	19	could	could	AUX
inlawrev-2352	169	20	easily	easily	ADV
inlawrev-2352	169	21	have	have	AUX
inlawrev-2352	169	22	been	be	AUX
inlawrev-2352	169	23	upheld	uphold	VERB
inlawrev-2352	169	24	.	.	PUNCT
inlawrev-2352	170	1	consequently	consequently	ADV
inlawrev-2352	170	2	,	,	PUNCT
inlawrev-2352	170	3	the	the	DET
inlawrev-2352	170	4	condition	condition	NOUN
inlawrev-2352	170	5	set	set	VERB
inlawrev-2352	170	6	forth	forth	ADP
inlawrev-2352	170	7	in	in	ADP
inlawrev-2352	170	8	the	the	DET
inlawrev-2352	170	9	receipt	receipt	NOUN
inlawrev-2352	170	10	would	would	AUX
inlawrev-2352	170	11	have	have	AUX
inlawrev-2352	170	12	been	be	AUX
inlawrev-2352	170	13	met	meet	VERB
inlawrev-2352	170	14	and	and	CCONJ
inlawrev-2352	170	15	a	a	DET
inlawrev-2352	170	16	contract	contract	NOUN
inlawrev-2352	170	17	to	to	PART
inlawrev-2352	170	18	insure	insure	VERB
inlawrev-2352	170	19	would	would	AUX
inlawrev-2352	170	20	have	have	AUX
inlawrev-2352	170	21	been	be	AUX
inlawrev-2352	170	22	formed	form	VERB
inlawrev-2352	170	23	.	.	PUNCT
inlawrev-2352	171	1	both	both	CCONJ
inlawrev-2352	171	2	the	the	DET
inlawrev-2352	171	3	trial	trial	NOUN
inlawrev-2352	171	4	court	court	NOUN
inlawrev-2352	171	5	and	and	CCONJ
inlawrev-2352	171	6	the	the	DET
inlawrev-2352	171	7	supreme	supreme	PROPN
inlawrev-2352	171	8	court	court	PROPN
inlawrev-2352	171	9	of	of	ADP
inlawrev-2352	171	10	kansas	kansas	PROPN
inlawrev-2352	171	11	,	,	PUNCT
inlawrev-2352	171	12	however	however	ADV
inlawrev-2352	171	13	,	,	PUNCT
inlawrev-2352	171	14	found	find	VERB
inlawrev-2352	171	15	that	that	SCONJ
inlawrev-2352	171	16	a	a	DET
inlawrev-2352	171	17	contract	contract	NOUN
inlawrev-2352	171	18	had	have	AUX
inlawrev-2352	171	19	been	be	AUX
inlawrev-2352	171	20	formed	form	VERB
inlawrev-2352	171	21	by	by	ADP
inlawrev-2352	171	22	virtue	virtue	NOUN
inlawrev-2352	171	23	of	of	ADP
inlawrev-2352	171	24	agency	agency	NOUN
inlawrev-2352	171	25	principles	principle	NOUN
inlawrev-2352	171	26	.	.	PUNCT
inlawrev-2352	172	1	the	the	DET
inlawrev-2352	172	2	supreme	supreme	PROPN
inlawrev-2352	172	3	court	court	PROPN
inlawrev-2352	172	4	held	hold	VERB
inlawrev-2352	172	5	that	that	SCONJ
inlawrev-2352	172	6	the	the	DET
inlawrev-2352	172	7	regional	regional	ADJ
inlawrev-2352	172	8	manager	manager	NOUN
inlawrev-2352	172	9	had	have	VERB
inlawrev-2352	172	10	sufficient	sufficient	ADJ
inlawrev-2352	172	11	apparent	apparent	ADJ
inlawrev-2352	172	12	or	or	CCONJ
inlawrev-2352	172	13	implied	imply	VERB
inlawrev-2352	172	14	v	v	ADP
inlawrev-2352	172	15	"	"	PUNCT
inlawrev-2352	172	16	m	m	NOUN
inlawrev-2352	172	17	at	at	ADP
inlawrev-2352	172	18	199	199	NUM
inlawrev-2352	172	19	,	,	PUNCT
inlawrev-2352	172	20	440	440	NUM
inlawrev-2352	172	21	p.2d	p.2d	PUNCT
inlawrev-2352	172	22	at	at	ADP
inlawrev-2352	172	23	948	948	NUM
inlawrev-2352	172	24	.	.	PUNCT
inlawrev-2352	172	25	''	''	PUNCT
inlawrev-2352	173	1	i	i	PRON
inlawrev-2352	173	2	d.	d.	PROPN
inlawrev-2352	173	3	at	at	ADP
inlawrev-2352	173	4	199	199	NUM
inlawrev-2352	173	5	-	-	SYM
inlawrev-2352	173	6	200	200	NUM
inlawrev-2352	173	7	,	,	PUNCT
inlawrev-2352	173	8	440	440	NUM
inlawrev-2352	173	9	p.2d	p.2d	PUNCT
inlawrev-2352	173	10	at	at	ADP
inlawrev-2352	173	11	949	949	NUM
inlawrev-2352	173	12	.	.	PUNCT
inlawrev-2352	174	1	*	*	PUNCT
inlawrev-2352	174	2	ud	ud	PROPN
inlawrev-2352	174	3	.	.	PUNCT
inlawrev-2352	175	1	*	*	PUNCT
inlawrev-2352	175	2	7d	7d	NUM
inlawrev-2352	175	3	at	at	ADP
inlawrev-2352	175	4	215	215	NUM
inlawrev-2352	175	5	,	,	PUNCT
inlawrev-2352	175	6	440	440	NUM
inlawrev-2352	175	7	p.2d	p.2d	PUNCT
inlawrev-2352	175	8	at	at	ADP
inlawrev-2352	175	9	960	960	NUM
inlawrev-2352	175	10	.	.	PUNCT
inlawrev-2352	176	1	786	786	NUM
inlawrev-2352	176	2	indiana	indiana	PROPN
inlawrev-2352	176	3	la	la	PROPN
inlawrev-2352	176	4	w	w	PROPN
inlawrev-2352	176	5	review	review	PROPN
inlawrev-2352	176	6	[	[	X
inlawrev-2352	176	7	vol	vol	NOUN
inlawrev-2352	176	8	.	.	PUNCT
inlawrev-2352	177	1	12:777	12:777	NUM
inlawrev-2352	177	2	authority	authority	NOUN
inlawrev-2352	177	3	to	to	PART
inlawrev-2352	177	4	create	create	VERB
inlawrev-2352	177	5	an	an	DET
inlawrev-2352	177	6	oral	oral	ADJ
inlawrev-2352	177	7	contract	contract	NOUN
inlawrev-2352	177	8	of	of	ADP
inlawrev-2352	177	9	insurance	insurance	NOUN
inlawrev-2352	177	10	,	,	PUNCT
inlawrev-2352	177	11	and	and	CCONJ
inlawrev-2352	177	12	that	that	SCONJ
inlawrev-2352	177	13	the	the	DET
inlawrev-2352	177	14	applicants	applicant	NOUN
inlawrev-2352	177	15	had	have	AUX
inlawrev-2352	177	16	relied	rely	VERB
inlawrev-2352	177	17	on	on	ADP
inlawrev-2352	177	18	his	his	PRON
inlawrev-2352	177	19	statement	statement	NOUN
inlawrev-2352	177	20	that	that	SCONJ
inlawrev-2352	177	21	coverage	coverage	NOUN
inlawrev-2352	177	22	was	be	AUX
inlawrev-2352	177	23	effective	effective	ADJ
inlawrev-2352	177	24	immediately	immediately	ADV
inlawrev-2352	177	25	upon	upon	SCONJ
inlawrev-2352	177	26	payment	payment	NOUN
inlawrev-2352	177	27	of	of	ADP
inlawrev-2352	177	28	the	the	DET
inlawrev-2352	177	29	first	first	ADJ
inlawrev-2352	177	30	premium/^	premium/^	NOUN
inlawrev-2352	177	31	although	although	SCONJ
inlawrev-2352	177	32	the	the	DET
inlawrev-2352	177	33	decision	decision	NOUN
inlawrev-2352	177	34	of	of	ADP
inlawrev-2352	177	35	the	the	DET
inlawrev-2352	177	36	trial	trial	NOUN
inlawrev-2352	177	37	court	court	NOUN
inlawrev-2352	177	38	may	may	AUX
inlawrev-2352	177	39	have	have	AUX
inlawrev-2352	177	40	been	be	AUX
inlawrev-2352	177	41	supportable	supportable	ADJ
inlawrev-2352	177	42	on	on	ADP
inlawrev-2352	177	43	the	the	DET
inlawrev-2352	177	44	agency	agency	NOUN
inlawrev-2352	177	45	theory	theory	NOUN
inlawrev-2352	177	46	alone,^	alone,^	PROPN
inlawrev-2352	177	47	°	°	SCONJ
inlawrev-2352	177	48	the	the	DET
inlawrev-2352	177	49	reviewing	reviewing	NOUN
inlawrev-2352	177	50	court	court	NOUN
inlawrev-2352	177	51	also	also	ADV
inlawrev-2352	177	52	discussed	discuss	VERB
inlawrev-2352	177	53	the	the	DET
inlawrev-2352	177	54	nature	nature	NOUN
inlawrev-2352	177	55	of	of	ADP
inlawrev-2352	177	56	the	the	DET
inlawrev-2352	177	57	conditional	conditional	ADJ
inlawrev-2352	177	58	receipt	receipt	NOUN
inlawrev-2352	177	59	.	.	PUNCT
inlawrev-2352	178	1	the	the	DET
inlawrev-2352	178	2	court	court	NOUN
inlawrev-2352	178	3	began	begin	VERB
inlawrev-2352	178	4	its	its	PRON
inlawrev-2352	178	5	discussion	discussion	NOUN
inlawrev-2352	178	6	by	by	ADP
inlawrev-2352	178	7	pointing	point	VERB
inlawrev-2352	178	8	out	out	ADP
inlawrev-2352	178	9	that	that	SCONJ
inlawrev-2352	178	10	although	although	SCONJ
inlawrev-2352	178	11	the	the	DET
inlawrev-2352	178	12	wording	wording	NOUN
inlawrev-2352	178	13	of	of	ADP
inlawrev-2352	178	14	receipts	receipt	NOUN
inlawrev-2352	178	15	used	use	VERB
inlawrev-2352	178	16	by	by	ADP
inlawrev-2352	178	17	various	various	ADJ
inlawrev-2352	178	18	companies	company	NOUN
inlawrev-2352	178	19	may	may	AUX
inlawrev-2352	178	20	be	be	AUX
inlawrev-2352	178	21	similar	similar	ADJ
inlawrev-2352	178	22	,	,	PUNCT
inlawrev-2352	178	23	each	each	DET
inlawrev-2352	178	24	receipt	receipt	NOUN
inlawrev-2352	178	25	'	'	PUNCT
inlawrev-2352	178	26	*	*	PUNCT
inlawrev-2352	178	27	must	must	AUX
inlawrev-2352	178	28	be	be	AUX
inlawrev-2352	178	29	individually	individually	ADV
inlawrev-2352	178	30	interpreted	interpret	VERB
inlawrev-2352	178	31	to	to	PART
inlawrev-2352	178	32	give	give	VERB
inlawrev-2352	178	33	[	[	PRON
inlawrev-2352	178	34	it	it	PRON
inlawrev-2352	178	35	]	]	PUNCT
inlawrev-2352	178	36	the	the	DET
inlawrev-2352	178	37	effect	effect	NOUN
inlawrev-2352	178	38	which	which	PRON
inlawrev-2352	178	39	the	the	DET
inlawrev-2352	178	40	parties	party	NOUN
inlawrev-2352	178	41	intended	intend	VERB
inlawrev-2352	178	42	....	....	PUNCT
inlawrev-2352	179	1	the	the	DET
inlawrev-2352	179	2	fundamental	fundamental	ADJ
inlawrev-2352	179	3	question	question	NOUN
inlawrev-2352	179	4	is	be	AUX
inlawrev-2352	179	5	:	:	PUNCT
inlawrev-2352	179	6	what	what	PRON
inlawrev-2352	179	7	was	be	AUX
inlawrev-2352	179	8	their	their	PRON
inlawrev-2352	179	9	intention?"^^	intention?"^^	NOUN
inlawrev-2352	179	10	in	in	ADP
inlawrev-2352	179	11	answer	answer	NOUN
inlawrev-2352	179	12	to	to	ADP
inlawrev-2352	179	13	this	this	DET
inlawrev-2352	179	14	question	question	NOUN
inlawrev-2352	179	15	,	,	PUNCT
inlawrev-2352	179	16	the	the	DET
inlawrev-2352	179	17	court	court	NOUN
inlawrev-2352	179	18	implied	imply	VERB
inlawrev-2352	179	19	,	,	PUNCT
inlawrev-2352	179	20	but	but	CCONJ
inlawrev-2352	179	21	did	do	AUX
inlawrev-2352	179	22	not	not	PART
inlawrev-2352	179	23	decide	decide	VERB
inlawrev-2352	179	24	,	,	PUNCT
inlawrev-2352	179	25	that	that	SCONJ
inlawrev-2352	179	26	insurability	insurability	NOUN
inlawrev-2352	179	27	had	have	AUX
inlawrev-2352	179	28	been	be	AUX
inlawrev-2352	179	29	the	the	DET
inlawrev-2352	179	30	condition	condition	NOUN
inlawrev-2352	179	31	intended	intend	VERB
inlawrev-2352	179	32	by	by	ADP
inlawrev-2352	179	33	the	the	DET
inlawrev-2352	179	34	company	company	NOUN
inlawrev-2352	179	35	.^^	.^^	PUNCT
inlawrev-2352	180	1	the	the	DET
inlawrev-2352	180	2	court	court	NOUN
inlawrev-2352	180	3	stated	state	VERB
inlawrev-2352	180	4	,	,	PUNCT
inlawrev-2352	180	5	however	however	ADV
inlawrev-2352	180	6	,	,	PUNCT
inlawrev-2352	180	7	that	that	SCONJ
inlawrev-2352	180	8	"	"	PUNCT
inlawrev-2352	180	9	if	if	SCONJ
inlawrev-2352	180	10	the	the	DET
inlawrev-2352	180	11	conditions	condition	NOUN
inlawrev-2352	180	12	imposed	impose	VERB
inlawrev-2352	180	13	by	by	ADP
inlawrev-2352	180	14	the	the	DET
inlawrev-2352	180	15	'	'	PUNCT
inlawrev-2352	180	16	conditional	conditional	ADJ
inlawrev-2352	180	17	receipt	receipt	NOUN
inlawrev-2352	180	18	for	for	ADP
inlawrev-2352	180	19	first	first	ADJ
inlawrev-2352	180	20	premium	premium	NOUN
inlawrev-2352	180	21	'	'	PUNCT
inlawrev-2352	180	22	are	be	AUX
inlawrev-2352	180	23	construed	construe	VERB
inlawrev-2352	180	24	as	as	ADP
inlawrev-2352	180	25	conditions	condition	NOUN
inlawrev-2352	180	26	precedent	precedent	NOUN
inlawrev-2352	180	27	,	,	PUNCT
inlawrev-2352	180	28	they	they	PRON
inlawrev-2352	180	29	must	must	AUX
inlawrev-2352	180	30	be	be	AUX
inlawrev-2352	180	31	regarded	regard	VERB
inlawrev-2352	180	32	as	as	ADP
inlawrev-2352	180	33	having	having	AUX
inlawrev-2352	180	34	been	be	AUX
inlawrev-2352	180	35	waived	waive	VERB
inlawrev-2352	180	36	by	by	ADP
inlawrev-2352	180	37	the	the	DET
inlawrev-2352	180	38	regional	regional	ADJ
inlawrev-2352	180	39	manager	manager	NOUN
inlawrev-2352	180	40	.	.	PUNCT
inlawrev-2352	181	1	"^^	"^^	VERB
inlawrev-2352	181	2	this	this	DET
inlawrev-2352	181	3	interpretation	interpretation	NOUN
inlawrev-2352	181	4	of	of	ADP
inlawrev-2352	181	5	the	the	DET
inlawrev-2352	181	6	facts	fact	NOUN
inlawrev-2352	181	7	could	could	AUX
inlawrev-2352	181	8	have	have	AUX
inlawrev-2352	181	9	resulted	result	VERB
inlawrev-2352	181	10	in	in	ADP
inlawrev-2352	181	11	a	a	DET
inlawrev-2352	181	12	decision	decision	NOUN
inlawrev-2352	181	13	based	base	VERB
inlawrev-2352	181	14	upon	upon	SCONJ
inlawrev-2352	181	15	the	the	DET
inlawrev-2352	181	16	fact	fact	NOUN
inlawrev-2352	181	17	that	that	SCONJ
inlawrev-2352	181	18	a	a	DET
inlawrev-2352	181	19	valid	valid	ADJ
inlawrev-2352	181	20	condition	condition	NOUN
inlawrev-2352	181	21	precedent	precedent	NOUN
inlawrev-2352	181	22	,	,	PUNCT
inlawrev-2352	181	23	insurability	insurability	NOUN
inlawrev-2352	181	24	,	,	PUNCT
inlawrev-2352	181	25	had	have	AUX
inlawrev-2352	181	26	been	be	AUX
inlawrev-2352	181	27	waived	waive	VERB
inlawrev-2352	181	28	by	by	ADP
inlawrev-2352	181	29	an	an	DET
inlawrev-2352	181	30	agent	agent	NOUN
inlawrev-2352	181	31	having	have	VERB
inlawrev-2352	181	32	apparent	apparent	ADJ
inlawrev-2352	181	33	or	or	CCONJ
inlawrev-2352	181	34	implied	imply	VERB
inlawrev-2352	181	35	authority	authority	NOUN
inlawrev-2352	181	36	to	to	PART
inlawrev-2352	181	37	do	do	AUX
inlawrev-2352	181	38	so	so	ADV
inlawrev-2352	181	39	.	.	PUNCT
inlawrev-2352	182	1	nevertheless	nevertheless	ADV
inlawrev-2352	182	2	,	,	PUNCT
inlawrev-2352	182	3	the	the	DET
inlawrev-2352	182	4	court	court	NOUN
inlawrev-2352	182	5	questioned	question	VERB
inlawrev-2352	182	6	the	the	DET
inlawrev-2352	182	7	validity	validity	NOUN
inlawrev-2352	182	8	of	of	ADP
inlawrev-2352	182	9	the	the	DET
inlawrev-2352	182	10	receipt	receipt	NOUN
inlawrev-2352	182	11	itself	itself	PRON
inlawrev-2352	182	12	:	:	PUNCT
inlawrev-2352	182	13	if	if	SCONJ
inlawrev-2352	182	14	it	it	PRON
inlawrev-2352	182	15	can	can	AUX
inlawrev-2352	182	16	not	not	PART
inlawrev-2352	182	17	be	be	AUX
inlawrev-2352	182	18	said	say	VERB
inlawrev-2352	182	19	upon	upon	SCONJ
inlawrev-2352	182	20	interpretation	interpretation	NOUN
inlawrev-2352	182	21	of	of	ADP
inlawrev-2352	182	22	this	this	DET
inlawrev-2352	182	23	binding	bind	VERB
inlawrev-2352	182	24	receipt	receipt	NOUN
inlawrev-2352	182	25	that	that	PRON
inlawrev-2352	182	26	mr	mr	PROPN
inlawrev-2352	182	27	.	.	PROPN
inlawrev-2352	182	28	service	service	PROPN
inlawrev-2352	182	29	was	be	AUX
inlawrev-2352	182	30	insured	insure	VERB
inlawrev-2352	182	31	from	from	ADP
inlawrev-2352	182	32	the	the	DET
inlawrev-2352	182	33	date	date	NOUN
inlawrev-2352	182	34	of	of	ADP
inlawrev-2352	182	35	the	the	DET
inlawrev-2352	182	36	binder	binder	NOUN
inlawrev-2352	182	37	,	,	PUNCT
inlawrev-2352	182	38	or	or	CCONJ
inlawrev-2352	182	39	medical	medical	ADJ
inlawrev-2352	182	40	,	,	PUNCT
inlawrev-2352	182	41	until	until	SCONJ
inlawrev-2352	182	42	a	a	DET
inlawrev-2352	182	43	formal	formal	ADJ
inlawrev-2352	182	44	policy	policy	NOUN
inlawrev-2352	182	45	was	be	AUX
inlawrev-2352	182	46	issued	issue	VERB
inlawrev-2352	182	47	or	or	CCONJ
inlawrev-2352	182	48	the	the	DET
inlawrev-2352	182	49	risk	risk	NOUN
inlawrev-2352	182	50	declined	decline	VERB
inlawrev-2352	182	51	by	by	ADP
inlawrev-2352	182	52	the	the	DET
inlawrev-2352	182	53	insurance	insurance	NOUN
inlawrev-2352	182	54	company	company	NOUN
inlawrev-2352	182	55	,	,	PUNCT
inlawrev-2352	182	56	then	then	ADV
inlawrev-2352	182	57	it	it	PRON
inlawrev-2352	182	58	must	must	AUX
inlawrev-2352	182	59	be	be	AUX
inlawrev-2352	182	60	said	say	VERB
inlawrev-2352	182	61	this	this	DET
inlawrev-2352	182	62	binding	bind	VERB
inlawrev-2352	182	63	receipt	receipt	NOUN
inlawrev-2352	182	64	is	be	AUX
inlawrev-2352	182	65	ambiguous	ambiguous	ADJ
inlawrev-2352	182	66	,	,	PUNCT
inlawrev-2352	182	67	and	and	CCONJ
inlawrev-2352	182	68	,	,	PUNCT
inlawrev-2352	182	69	if	if	SCONJ
inlawrev-2352	182	70	so	so	ADV
inlawrev-2352	182	71	,	,	PUNCT
inlawrev-2352	182	72	it	it	PRON
inlawrev-2352	182	73	should	should	AUX
inlawrev-2352	182	74	be	be	AUX
inlawrev-2352	182	75	construed	construe	VERB
inlawrev-2352	182	76	against	against	ADP
inlawrev-2352	182	77	the	the	DET
inlawrev-2352	182	78	insurance	insurance	NOUN
inlawrev-2352	182	79	company	company	NOUN
inlawrev-2352	182	80	,	,	PUNCT
inlawrev-2352	182	81	it	it	PRON
inlawrev-2352	182	82	having	having	AUX
inlawrev-2352	182	83	been	be	AUX
inlawrev-2352	182	84	drawn	draw	VERB
inlawrev-2352	182	85	up	up	ADP
inlawrev-2352	182	86	and	and	CCONJ
inlawrev-2352	182	87	issued	issue	VERB
inlawrev-2352	182	88	by	by	ADP
inlawrev-2352	182	89	the	the	DET
inlawrev-2352	182	90	agents	agent	NOUN
inlawrev-2352	182	91	of	of	ADP
inlawrev-2352	182	92	the	the	DET
inlawrev-2352	182	93	insurance	insurance	NOUN
inlawrev-2352	182	94	company	company	NOUN
inlawrev-2352	182	95	upon	upon	SCONJ
inlawrev-2352	182	96	its	its	PRON
inlawrev-2352	182	97	printed	print	VERB
inlawrev-2352	182	98	form	form	NOUN
inlawrev-2352	182	99	.	.	PUNCT
inlawrev-2352	183	1	if	if	SCONJ
inlawrev-2352	183	2	there	there	PRON
inlawrev-2352	183	3	was	be	VERB
inlawrev-2352	183	4	to	to	PART
inlawrev-2352	183	5	be	be	AUX
inlawrev-2352	183	6	no	no	DET
inlawrev-2352	183	7	contract	contract	NOUN
inlawrev-2352	183	8	of	of	ADP
inlawrev-2352	183	9	insurance	insurance	NOUN
inlawrev-2352	183	10	in	in	ADP
inlawrev-2352	183	11	any	any	DET
inlawrev-2352	183	12	event	event	NOUN
inlawrev-2352	183	13	until	until	SCONJ
inlawrev-2352	183	14	the	the	DET
inlawrev-2352	183	15	application	application	NOUN
inlawrev-2352	183	16	was	be	AUX
inlawrev-2352	183	17	approved	approve	VERB
inlawrev-2352	183	18	,	,	PUNCT
inlawrev-2352	183	19	and	and	CCONJ
inlawrev-2352	183	20	a	a	DET
inlawrev-2352	183	21	policy	policy	NOUN
inlawrev-2352	183	22	issued	issue	VERB
inlawrev-2352	183	23	thereon	thereon	NOUN
inlawrev-2352	183	24	,	,	PUNCT
inlawrev-2352	183	25	it	it	PRON
inlawrev-2352	183	26	would	would	AUX
inlawrev-2352	183	27	seem	seem	VERB
inlawrev-2352	183	28	entirely	entirely	ADV
inlawrev-2352	183	29	immaterial	immaterial	ADJ
inlawrev-2352	183	30	to	to	ADP
inlawrev-2352	183	31	the	the	DET
inlawrev-2352	183	32	insured	insure	VERB
inlawrev-2352	183	33	whether	whether	SCONJ
inlawrev-2352	183	34	the	the	DET
inlawrev-2352	183	35	contract	contract	NOUN
inlawrev-2352	183	36	related	relate	VERB
inlawrev-2352	183	37	back	back	ADV
inlawrev-2352	183	38	to	to	ADP
inlawrev-2352	183	39	the	the	DET
inlawrev-2352	183	40	date	date	NOUN
inlawrev-2352	183	41	of	of	ADP
inlawrev-2352	183	42	the	the	DET
inlawrev-2352	183	43	application	application	NOUN
inlawrev-2352	183	44	(	(	PUNCT
inlawrev-2352	183	45	or	or	CCONJ
inlawrev-2352	183	46	medical	medical	ADJ
inlawrev-2352	183	47	)	)	PUNCT
inlawrev-2352	183	48	or	or	CCONJ
inlawrev-2352	183	49	not	not	PART
inlawrev-2352	183	50	.	.	PUNCT
inlawrev-2352	183	51	.	.	PUNCT
inlawrev-2352	183	52	.	.	PUNCT
inlawrev-2352	183	53	.	.	PUNCT
inlawrev-2352	184	1	the	the	DET
inlawrev-2352	184	2	chief	chief	ADJ
inlawrev-2352	184	3	object	object	NOUN
inlawrev-2352	184	4	of	of	ADP
inlawrev-2352	184	5	the	the	DET
inlawrev-2352	184	6	provision	provision	NOUN
inlawrev-2352	184	7	*	*	PUNCT
inlawrev-2352	184	8	»	»	PUNCT
inlawrev-2352	184	9	m	m	VERB
inlawrev-2352	184	10	at	at	ADP
inlawrev-2352	184	11	209	209	NUM
inlawrev-2352	184	12	,	,	PUNCT
inlawrev-2352	184	13	440	440	NUM
inlawrev-2352	184	14	p.2d	p.2d	PUNCT
inlawrev-2352	184	15	at	at	ADP
inlawrev-2352	184	16	955	955	NUM
inlawrev-2352	184	17	-	-	SYM
inlawrev-2352	184	18	56	56	NUM
inlawrev-2352	184	19	.	.	PUNCT
inlawrev-2352	184	20	^id	^id	PROPN
inlawrev-2352	184	21	.	.	PUNCT
inlawrev-2352	185	1	the	the	DET
inlawrev-2352	185	2	agent	agent	NOUN
inlawrev-2352	185	3	's	's	PART
inlawrev-2352	185	4	authority	authority	NOUN
inlawrev-2352	185	5	to	to	PART
inlawrev-2352	185	6	bind	bind	VERB
inlawrev-2352	185	7	the	the	DET
inlawrev-2352	185	8	company	company	NOUN
inlawrev-2352	185	9	by	by	ADP
inlawrev-2352	185	10	his	his	PRON
inlawrev-2352	185	11	statements	statement	NOUN
inlawrev-2352	185	12	is	be	AUX
inlawrev-2352	185	13	frequently	frequently	ADV
inlawrev-2352	185	14	an	an	DET
inlawrev-2352	185	15	issue	issue	NOUN
inlawrev-2352	185	16	in	in	ADP
inlawrev-2352	185	17	conditional	conditional	ADJ
inlawrev-2352	185	18	receipt	receipt	NOUN
inlawrev-2352	185	19	cases	case	NOUN
inlawrev-2352	185	20	.	.	PUNCT
inlawrev-2352	186	1	see	see	VERB
inlawrev-2352	186	2	fortunato	fortunato	PROPN
inlawrev-2352	186	3	,	,	PUNCT
inlawrev-2352	186	4	supra	supra	PROPN
inlawrev-2352	186	5	note	note	NOUN
inlawrev-2352	186	6	1	1	NUM
inlawrev-2352	186	7	,	,	PUNCT
inlawrev-2352	186	8	at	at	ADP
inlawrev-2352	186	9	11	11	NUM
inlawrev-2352	186	10	-	-	SYM
inlawrev-2352	186	11	12	12	NUM
inlawrev-2352	186	12	;	;	PUNCT
inlawrev-2352	186	13	murphy	murphy	PROPN
inlawrev-2352	186	14	,	,	PUNCT
inlawrev-2352	186	15	supra	supra	PROPN
inlawrev-2352	186	16	note	note	PROPN
inlawrev-2352	186	17	37	37	NUM
inlawrev-2352	186	18	,	,	PUNCT
inlawrev-2352	186	19	at	at	ADP
inlawrev-2352	186	20	99	99	NUM
inlawrev-2352	186	21	.	.	PUNCT
inlawrev-2352	187	1	"	"	PUNCT
inlawrev-2352	187	2	201	201	NUM
inlawrev-2352	187	3	kan	kan	X
inlawrev-2352	187	4	.	.	PUNCT
inlawrev-2352	188	1	at	at	ADP
inlawrev-2352	188	2	211	211	NUM
inlawrev-2352	188	3	,	,	PUNCT
inlawrev-2352	188	4	440	440	NUM
inlawrev-2352	188	5	p.2d	p.2d	PUNCT
inlawrev-2352	188	6	at	at	ADP
inlawrev-2352	188	7	957	957	NUM
inlawrev-2352	188	8	.	.	PUNCT
inlawrev-2352	188	9	^"/d	^"/d	PUNCT
inlawrev-2352	188	10	at	at	ADP
inlawrev-2352	188	11	213	213	NUM
inlawrev-2352	188	12	,	,	PUNCT
inlawrev-2352	188	13	440	440	NUM
inlawrev-2352	188	14	p.2d	p.2d	PUNCT
inlawrev-2352	188	15	at	at	ADP
inlawrev-2352	188	16	958	958	NUM
inlawrev-2352	188	17	.	.	PUNCT
inlawrev-2352	189	1	the	the	DET
inlawrev-2352	189	2	receipt	receipt	NOUN
inlawrev-2352	189	3	recited	recite	VERB
inlawrev-2352	189	4	the	the	DET
inlawrev-2352	189	5	following	follow	VERB
inlawrev-2352	189	6	condition	condition	NOUN
inlawrev-2352	189	7	:	:	PUNCT
inlawrev-2352	190	1	[	[	X
inlawrev-2352	190	2	i]f	i]f	ADP
inlawrev-2352	190	3	the	the	DET
inlawrev-2352	190	4	company	company	NOUN
inlawrev-2352	190	5	at	at	ADP
inlawrev-2352	190	6	its	its	PRON
inlawrev-2352	190	7	home	home	NOUN
inlawrev-2352	190	8	office	office	NOUN
inlawrev-2352	190	9	after	after	SCONJ
inlawrev-2352	190	10	investigation	investigation	NOUN
inlawrev-2352	190	11	shall	shall	AUX
inlawrev-2352	190	12	be	be	AUX
inlawrev-2352	190	13	satisfied	satisfied	ADJ
inlawrev-2352	190	14	that	that	SCONJ
inlawrev-2352	190	15	on	on	ADP
inlawrev-2352	190	16	the	the	DET
inlawrev-2352	190	17	date	date	NOUN
inlawrev-2352	190	18	hereof	hereof	ADV
inlawrev-2352	190	19	,	,	PUNCT
inlawrev-2352	190	20	or	or	CCONJ
inlawrev-2352	190	21	on	on	ADP
inlawrev-2352	190	22	the	the	DET
inlawrev-2352	190	23	date	date	NOUN
inlawrev-2352	190	24	of	of	ADP
inlawrev-2352	190	25	the	the	DET
inlawrev-2352	190	26	medical	medical	ADJ
inlawrev-2352	190	27	examination	examination	NOUN
inlawrev-2352	190	28	for	for	ADP
inlawrev-2352	190	29	such	such	ADJ
inlawrev-2352	190	30	insurance	insurance	NOUN
inlawrev-2352	190	31	,	,	PUNCT
inlawrev-2352	190	32	whichever	whichever	PRON
inlawrev-2352	190	33	is	be	AUX
inlawrev-2352	190	34	later	later	ADV
inlawrev-2352	190	35	,	,	PUNCT
inlawrev-2352	190	36	each	each	DET
inlawrev-2352	190	37	person	person	NOUN
inlawrev-2352	190	38	proposed	propose	VERB
inlawrev-2352	190	39	for	for	ADP
inlawrev-2352	190	40	insurance	insurance	NOUN
inlawrev-2352	190	41	was	be	AUX
inlawrev-2352	190	42	insurable	insurable	ADJ
inlawrev-2352	190	43	.	.	PUNCT
inlawrev-2352	190	44	.	.	PUNCT
inlawrev-2352	190	45	.	.	PUNCT
inlawrev-2352	191	1	the	the	DET
inlawrev-2352	191	2	insurance	insurance	NOUN
inlawrev-2352	191	3	protection	protection	NOUN
inlawrev-2352	191	4	applied	apply	VERB
inlawrev-2352	191	5	for	for	ADP
inlawrev-2352	191	6	shall	shall	NOUN
inlawrev-2352	191	7	.	.	PUNCT
inlawrev-2352	191	8	.	.	PUNCT
inlawrev-2352	192	1	.	.	PUNCT
inlawrev-2352	193	1	take	take	VERB
inlawrev-2352	193	2	effect	effect	NOUN
inlawrev-2352	193	3	from	from	ADP
inlawrev-2352	193	4	the	the	DET
inlawrev-2352	193	5	date	date	NOUN
inlawrev-2352	193	6	hereof	hereof	ADJ
inlawrev-2352	193	7	or	or	CCONJ
inlawrev-2352	193	8	from	from	ADP
inlawrev-2352	193	9	the	the	DET
inlawrev-2352	193	10	date	date	NOUN
inlawrev-2352	193	11	of	of	ADP
inlawrev-2352	193	12	such	such	ADJ
inlawrev-2352	193	13	medical	medical	ADJ
inlawrev-2352	193	14	examination	examination	NOUN
inlawrev-2352	193	15	,	,	PUNCT
inlawrev-2352	193	16	whichever	whichever	PRON
inlawrev-2352	193	17	is	be	AUX
inlawrev-2352	193	18	later	later	ADV
inlawrev-2352	193	19	.	.	PUNCT
inlawrev-2352	194	1	i	i	PRON
inlawrev-2352	194	2	d.	d.	PROPN
inlawrev-2352	194	3	at	at	ADP
inlawrev-2352	194	4	211	211	NUM
inlawrev-2352	194	5	,	,	PUNCT
inlawrev-2352	194	6	440	440	NUM
inlawrev-2352	194	7	p.2d	p.2d	PUNCT
inlawrev-2352	194	8	at	at	ADP
inlawrev-2352	194	9	957	957	NUM
inlawrev-2352	194	10	.	.	PUNCT
inlawrev-2352	194	11	^/d	^/d	PUNCT
inlawrev-2352	195	1	at	at	ADP
inlawrev-2352	195	2	214	214	NUM
inlawrev-2352	195	3	,	,	PUNCT
inlawrev-2352	195	4	440	440	NUM
inlawrev-2352	195	5	p.2d	p.2d	PUNCT
inlawrev-2352	195	6	at	at	ADP
inlawrev-2352	195	7	959	959	NUM
inlawrev-2352	195	8	.	.	PUNCT
inlawrev-2352	195	9	1979	1979	NUM
inlawrev-2352	195	10	]	]	PUNCT
inlawrev-2352	195	11	conditional	conditional	ADJ
inlawrev-2352	195	12	receipts	receipt	NOUN
inlawrev-2352	195	13	1	1	NUM
inlawrev-2352	195	14	^	^	SYM
inlawrev-2352	195	15	1	1	NUM
inlawrev-2352	195	16	would	would	AUX
inlawrev-2352	195	17	,	,	PUNCT
inlawrev-2352	195	18	therefore	therefore	ADV
inlawrev-2352	195	19	,	,	PUNCT
inlawrev-2352	195	20	seem	seem	VERB
inlawrev-2352	195	21	to	to	PART
inlawrev-2352	195	22	be	be	AUX
inlawrev-2352	195	23	to	to	PART
inlawrev-2352	195	24	enable	enable	VERB
inlawrev-2352	195	25	the	the	DET
inlawrev-2352	195	26	insurance	insurance	NOUN
inlawrev-2352	195	27	company	company	NOUN
inlawrev-2352	195	28	to	to	PART
inlawrev-2352	195	29	collect	collect	VERB
inlawrev-2352	195	30	premiums	premium	NOUN
inlawrev-2352	195	31	for	for	ADP
inlawrev-2352	195	32	a	a	DET
inlawrev-2352	195	33	period	period	NOUN
inlawrev-2352	195	34	during	during	ADP
inlawrev-2352	195	35	which	which	PRON
inlawrev-2352	195	36	there	there	PRON
inlawrev-2352	195	37	was	be	VERB
inlawrev-2352	195	38	in	in	ADP
inlawrev-2352	195	39	fact	fact	NOUN
inlawrev-2352	195	40	no	no	DET
inlawrev-2352	195	41	insurance	insurance	NOUN
inlawrev-2352	195	42	,	,	PUNCT
inlawrev-2352	195	43	and	and	CCONJ
inlawrev-2352	195	44	consequently	consequently	ADV
inlawrev-2352	195	45	no	no	DET
inlawrev-2352	195	46	risk.^	risk.^	NOUN
inlawrev-2352	195	47	*	*	NOUN
inlawrev-2352	195	48	the	the	DET
inlawrev-2352	195	49	above	above	ADJ
inlawrev-2352	195	50	quotation	quotation	NOUN
inlawrev-2352	195	51	refers	refer	VERB
inlawrev-2352	195	52	to	to	ADP
inlawrev-2352	195	53	approval	approval	NOUN
inlawrev-2352	195	54	of	of	ADP
inlawrev-2352	195	55	the	the	DET
inlawrev-2352	195	56	application	application	NOUN
inlawrev-2352	195	57	.	.	PUNCT
inlawrev-2352	196	1	whether	whether	SCONJ
inlawrev-2352	196	2	or	or	CCONJ
inlawrev-2352	196	3	not	not	PART
inlawrev-2352	196	4	the	the	DET
inlawrev-2352	196	5	application	application	NOUN
inlawrev-2352	196	6	is	be	AUX
inlawrev-2352	196	7	approved	approve	VERB
inlawrev-2352	196	8	by	by	ADP
inlawrev-2352	196	9	the	the	DET
inlawrev-2352	196	10	insurance	insurance	NOUN
inlawrev-2352	196	11	company	company	NOUN
inlawrev-2352	196	12	is	be	AUX
inlawrev-2352	196	13	immaterial	immaterial	ADJ
inlawrev-2352	196	14	in	in	ADP
inlawrev-2352	196	15	a	a	DET
inlawrev-2352	196	16	case	case	NOUN
inlawrev-2352	196	17	involving	involve	VERB
inlawrev-2352	196	18	an	an	DET
inlawrev-2352	196	19	insurability	insurability	NOUN
inlawrev-2352	196	20	receipt	receipt	NOUN
inlawrev-2352	196	21	.	.	PUNCT
inlawrev-2352	197	1	the	the	DET
inlawrev-2352	197	2	pertinent	pertinent	ADJ
inlawrev-2352	197	3	issue	issue	NOUN
inlawrev-2352	197	4	with	with	ADP
inlawrev-2352	197	5	insurability	insurability	NOUN
inlawrev-2352	197	6	receipts	receipt	NOUN
inlawrev-2352	197	7	is	be	AUX
inlawrev-2352	197	8	whether	whether	SCONJ
inlawrev-2352	197	9	or	or	CCONJ
inlawrev-2352	197	10	not	not	PART
inlawrev-2352	197	11	the	the	DET
inlawrev-2352	197	12	applicant	applicant	NOUN
inlawrev-2352	197	13	is	be	AUX
inlawrev-2352	197	14	an	an	DET
inlawrev-2352	197	15	insurable	insurable	ADJ
inlawrev-2352	197	16	risk	risk	NOUN
inlawrev-2352	197	17	.	.	PUNCT
inlawrev-2352	198	1	therefore	therefore	ADV
inlawrev-2352	198	2	,	,	PUNCT
inlawrev-2352	198	3	the	the	DET
inlawrev-2352	198	4	court	court	NOUN
inlawrev-2352	198	5	's	's	PART
inlawrev-2352	198	6	statement	statement	NOUN
inlawrev-2352	198	7	that	that	SCONJ
inlawrev-2352	198	8	the	the	DET
inlawrev-2352	198	9	"	"	PUNCT
inlawrev-2352	198	10	chief	chief	ADJ
inlawrev-2352	198	11	object	object	NOUN
inlawrev-2352	198	12	of	of	ADP
inlawrev-2352	198	13	the	the	DET
inlawrev-2352	198	14	provision	provision	NOUN
inlawrev-2352	198	15	.	.	PUNCT
inlawrev-2352	198	16	.	.	PUNCT
inlawrev-2352	198	17	.	.	PUNCT
inlawrev-2352	199	1	[	[	X
inlawrev-2352	199	2	is	be	AUX
inlawrev-2352	199	3	]	]	PUNCT
inlawrev-2352	199	4	to	to	PART
inlawrev-2352	199	5	enable	enable	VERB
inlawrev-2352	199	6	the	the	DET
inlawrev-2352	199	7	insurance	insurance	NOUN
inlawrev-2352	199	8	company	company	NOUN
inlawrev-2352	199	9	to	to	PART
inlawrev-2352	199	10	collect	collect	VERB
inlawrev-2352	199	11	premiums	premium	NOUN
inlawrev-2352	199	12	for	for	ADP
inlawrev-2352	199	13	a	a	DET
inlawrev-2352	199	14	period	period	NOUN
inlawrev-2352	199	15	during	during	ADP
inlawrev-2352	199	16	which	which	PRON
inlawrev-2352	199	17	there	there	PRON
inlawrev-2352	199	18	was	be	VERB
inlawrev-2352	199	19	in	in	ADP
inlawrev-2352	199	20	fact	fact	NOUN
inlawrev-2352	199	21	no	no	DET
inlawrev-2352	199	22	insurance"^^	insurance"^^	NOUN
inlawrev-2352	199	23	lacks	lack	VERB
inlawrev-2352	199	24	some	some	DET
inlawrev-2352	199	25	validity	validity	NOUN
inlawrev-2352	199	26	when	when	SCONJ
inlawrev-2352	199	27	applied	apply	VERB
inlawrev-2352	199	28	to	to	ADP
inlawrev-2352	199	29	this	this	DET
inlawrev-2352	199	30	case	case	NOUN
inlawrev-2352	199	31	.	.	PUNCT
inlawrev-2352	200	1	the	the	DET
inlawrev-2352	200	2	service	service	NOUN
inlawrev-2352	200	3	court	court	NOUN
inlawrev-2352	200	4	also	also	ADV
inlawrev-2352	200	5	discussed	discuss	VERB
inlawrev-2352	200	6	the	the	DET
inlawrev-2352	200	7	problem	problem	NOUN
inlawrev-2352	200	8	underlying	underlie	VERB
inlawrev-2352	200	9	the	the	DET
inlawrev-2352	200	10	enforceability	enforceability	NOUN
inlawrev-2352	200	11	of	of	ADP
inlawrev-2352	200	12	conditional	conditional	ADJ
inlawrev-2352	200	13	receipts	receipt	NOUN
inlawrev-2352	200	14	—	—	PUNCT
inlawrev-2352	200	15	whether	whether	SCONJ
inlawrev-2352	200	16	the	the	DET
inlawrev-2352	200	17	applicant	applicant	NOUN
inlawrev-2352	200	18	receives	receive	VERB
inlawrev-2352	200	19	a	a	DET
inlawrev-2352	200	20	benefit	benefit	NOUN
inlawrev-2352	200	21	in	in	ADP
inlawrev-2352	200	22	consideration	consideration	NOUN
inlawrev-2352	200	23	for	for	ADP
inlawrev-2352	200	24	paying	pay	VERB
inlawrev-2352	200	25	the	the	DET
inlawrev-2352	200	26	premium	premium	NOUN
inlawrev-2352	200	27	in	in	ADP
inlawrev-2352	200	28	advance	advance	NOUN
inlawrev-2352	200	29	:	:	PUNCT
inlawrev-2352	201	1	[	[	X
inlawrev-2352	201	2	u]nless	u]nless	NOUN
inlawrev-2352	201	3	the	the	DET
inlawrev-2352	201	4	insured	insure	VERB
inlawrev-2352	201	5	was	be	AUX
inlawrev-2352	201	6	to	to	PART
inlawrev-2352	201	7	be	be	AUX
inlawrev-2352	201	8	protected	protect	VERB
inlawrev-2352	201	9	against	against	ADP
inlawrev-2352	201	10	death	death	NOUN
inlawrev-2352	201	11	during	during	ADP
inlawrev-2352	201	12	the	the	DET
inlawrev-2352	201	13	interim	interim	ADJ
inlawrev-2352	201	14	period	period	NOUN
inlawrev-2352	201	15	there	there	PRON
inlawrev-2352	201	16	would	would	AUX
inlawrev-2352	201	17	be	be	AUX
inlawrev-2352	201	18	no	no	DET
inlawrev-2352	201	19	advantage	advantage	NOUN
inlawrev-2352	201	20	to	to	ADP
inlawrev-2352	201	21	him	he	PRON
inlawrev-2352	201	22	in	in	ADP
inlawrev-2352	201	23	paying	pay	VERB
inlawrev-2352	201	24	his	his	PRON
inlawrev-2352	201	25	premium	premium	NOUN
inlawrev-2352	201	26	in	in	ADP
inlawrev-2352	201	27	advance	advance	NOUN
inlawrev-2352	201	28	.	.	PUNCT
inlawrev-2352	202	1	if	if	SCONJ
inlawrev-2352	202	2	the	the	DET
inlawrev-2352	202	3	company	company	NOUN
inlawrev-2352	202	4	did	do	AUX
inlawrev-2352	202	5	not	not	PART
inlawrev-2352	202	6	intend	intend	VERB
inlawrev-2352	202	7	that	that	SCONJ
inlawrev-2352	202	8	there	there	PRON
inlawrev-2352	202	9	should	should	AUX
inlawrev-2352	202	10	be	be	AUX
inlawrev-2352	202	11	insurance	insurance	NOUN
inlawrev-2352	202	12	effective	effective	ADJ
inlawrev-2352	202	13	pending	pende	VERB
inlawrev-2352	202	14	the	the	DET
inlawrev-2352	202	15	(	(	PUNCT
inlawrev-2352	202	16	^ate	^ate	NOUN
inlawrev-2352	202	17	of	of	ADP
inlawrev-2352	202	18	the	the	DET
inlawrev-2352	202	19	application	application	NOUN
inlawrev-2352	202	20	.	.	PUNCT
inlawrev-2352	202	21	.	.	PUNCT
inlawrev-2352	203	1	.	.	PUNCT
inlawrev-2352	204	1	and	and	CCONJ
inlawrev-2352	204	2	the	the	DET
inlawrev-2352	204	3	date	date	NOUN
inlawrev-2352	204	4	of	of	ADP
inlawrev-2352	204	5	the	the	DET
inlawrev-2352	204	6	approval	approval	NOUN
inlawrev-2352	204	7	of	of	ADP
inlawrev-2352	204	8	the	the	DET
inlawrev-2352	204	9	risk	risk	NOUN
inlawrev-2352	204	10	and	and	CCONJ
inlawrev-2352	204	11	the	the	DET
inlawrev-2352	204	12	issuance	issuance	NOUN
inlawrev-2352	204	13	of	of	ADP
inlawrev-2352	204	14	the	the	DET
inlawrev-2352	204	15	policy	policy	NOUN
inlawrev-2352	204	16	,	,	PUNCT
inlawrev-2352	204	17	.	.	PUNCT
inlawrev-2352	204	18	.	.	PUNCT
inlawrev-2352	204	19	.	.	PUNCT
inlawrev-2352	205	1	the	the	DET
inlawrev-2352	205	2	insured	insure	VERB
inlawrev-2352	205	3	would	would	AUX
inlawrev-2352	205	4	be	be	AUX
inlawrev-2352	205	5	paying	pay	VERB
inlawrev-2352	205	6	for	for	ADP
inlawrev-2352	205	7	something	something	PRON
inlawrev-2352	205	8	which	which	PRON
inlawrev-2352	205	9	he	he	PRON
inlawrev-2352	205	10	did	do	AUX
inlawrev-2352	205	11	not	not	PART
inlawrev-2352	205	12	receive.^	receive.^	VERB
inlawrev-2352	205	13	*	*	PUNCT
inlawrev-2352	205	14	once	once	ADV
inlawrev-2352	205	15	again	again	ADV
inlawrev-2352	205	16	,	,	PUNCT
inlawrev-2352	205	17	the	the	DET
inlawrev-2352	205	18	court	court	NOUN
inlawrev-2352	205	19	was	be	AUX
inlawrev-2352	205	20	using	use	VERB
inlawrev-2352	205	21	logic	logic	NOUN
inlawrev-2352	205	22	properly	properly	ADV
inlawrev-2352	205	23	applicable	applicable	ADJ
inlawrev-2352	205	24	to	to	ADP
inlawrev-2352	205	25	an	an	DET
inlawrev-2352	205	26	approval	approval	NOUN
inlawrev-2352	205	27	receipt	receipt	NOUN
inlawrev-2352	205	28	in	in	ADP
inlawrev-2352	205	29	a	a	DET
inlawrev-2352	205	30	situation	situation	NOUN
inlawrev-2352	205	31	involving	involve	VERB
inlawrev-2352	205	32	an	an	DET
inlawrev-2352	205	33	insurability	insurability	NOUN
inlawrev-2352	205	34	receipt	receipt	NOUN
inlawrev-2352	205	35	.	.	PUNCT
inlawrev-2352	206	1	furthermore	furthermore	ADV
inlawrev-2352	206	2	,	,	PUNCT
inlawrev-2352	206	3	the	the	DET
inlawrev-2352	206	4	court	court	NOUN
inlawrev-2352	206	5	failed	fail	VERB
inlawrev-2352	206	6	to	to	PART
inlawrev-2352	206	7	recognize	recognize	VERB
inlawrev-2352	206	8	the	the	DET
inlawrev-2352	206	9	independent	independent	ADJ
inlawrev-2352	206	10	value	value	NOUN
inlawrev-2352	206	11	of	of	ADP
inlawrev-2352	206	12	the	the	DET
inlawrev-2352	206	13	promise	promise	NOUN
inlawrev-2352	206	14	by	by	ADP
inlawrev-2352	206	15	the	the	DET
inlawrev-2352	206	16	company	company	NOUN
inlawrev-2352	206	17	to	to	PART
inlawrev-2352	206	18	grant	grant	VERB
inlawrev-2352	206	19	insurance	insurance	NOUN
inlawrev-2352	206	20	on	on	ADP
inlawrev-2352	206	21	the	the	DET
inlawrev-2352	206	22	basis	basis	NOUN
inlawrev-2352	206	23	of	of	ADP
inlawrev-2352	206	24	insurability	insurability	NOUN
inlawrev-2352	206	25	and	and	CCONJ
inlawrev-2352	206	26	,	,	PUNCT
inlawrev-2352	206	27	more	more	ADV
inlawrev-2352	206	28	importantly	importantly	ADV
inlawrev-2352	206	29	,	,	PUNCT
inlawrev-2352	206	30	of	of	ADP
inlawrev-2352	206	31	the	the	DET
inlawrev-2352	206	32	promise	promise	NOUN
inlawrev-2352	206	33	to	to	PART
inlawrev-2352	206	34	make	make	VERB
inlawrev-2352	206	35	an	an	DET
inlawrev-2352	206	36	objective	objective	ADJ
inlawrev-2352	206	37	determination	determination	NOUN
inlawrev-2352	206	38	of	of	ADP
inlawrev-2352	206	39	insurability	insurability	NOUN
inlawrev-2352	206	40	.	.	PUNCT
inlawrev-2352	207	1	if	if	SCONJ
inlawrev-2352	207	2	it	it	PRON
inlawrev-2352	207	3	were	be	AUX
inlawrev-2352	207	4	true	true	ADJ
inlawrev-2352	207	5	that	that	SCONJ
inlawrev-2352	207	6	by	by	ADP
inlawrev-2352	207	7	paying	pay	VERB
inlawrev-2352	207	8	an	an	DET
inlawrev-2352	207	9	amount	amount	NOUN
inlawrev-2352	207	10	equal	equal	ADJ
inlawrev-2352	207	11	to	to	ADP
inlawrev-2352	207	12	the	the	DET
inlawrev-2352	207	13	initial	initial	ADJ
inlawrev-2352	207	14	premium	premium	NOUN
inlawrev-2352	207	15	and	and	CCONJ
inlawrev-2352	207	16	receiving	receive	VERB
inlawrev-2352	207	17	an	an	DET
inlawrev-2352	207	18	insurability	insurability	NOUN
inlawrev-2352	207	19	receipt	receipt	NOUN
inlawrev-2352	207	20	the	the	DET
inlawrev-2352	207	21	applicant	applicant	NOUN
inlawrev-2352	207	22	received	receive	VERB
inlawrev-2352	207	23	nothing	nothing	PRON
inlawrev-2352	207	24	,	,	PUNCT
inlawrev-2352	207	25	consideration	consideration	NOUN
inlawrev-2352	207	26	on	on	ADP
inlawrev-2352	207	27	the	the	DET
inlawrev-2352	207	28	part	part	NOUN
inlawrev-2352	207	29	of	of	ADP
inlawrev-2352	207	30	the	the	DET
inlawrev-2352	207	31	company	company	NOUN
inlawrev-2352	207	32	would	would	AUX
inlawrev-2352	207	33	indeed	indeed	ADV
inlawrev-2352	207	34	fail	fail	VERB
inlawrev-2352	207	35	because	because	SCONJ
inlawrev-2352	207	36	the	the	DET
inlawrev-2352	207	37	promises	promise	NOUN
inlawrev-2352	207	38	contained	contain	VERB
inlawrev-2352	207	39	in	in	ADP
inlawrev-2352	207	40	the	the	DET
inlawrev-2352	207	41	conditional	conditional	ADJ
inlawrev-2352	207	42	receipt	receipt	NOUN
inlawrev-2352	207	43	would	would	AUX
inlawrev-2352	207	44	be	be	AUX
inlawrev-2352	207	45	illusory	illusory	ADJ
inlawrev-2352	207	46	.	.	PUNCT
inlawrev-2352	208	1	such	such	DET
inlawrev-2352	208	2	a	a	DET
inlawrev-2352	208	3	contract	contract	NOUN
inlawrev-2352	208	4	would	would	AUX
inlawrev-2352	208	5	not	not	PART
inlawrev-2352	208	6	meet	meet	VERB
inlawrev-2352	208	7	the	the	DET
inlawrev-2352	208	8	reasonable	reasonable	ADJ
inlawrev-2352	208	9	expectations	expectation	NOUN
inlawrev-2352	208	10	of	of	ADP
inlawrev-2352	208	11	the	the	DET
inlawrev-2352	208	12	applicant	applicant	NOUN
inlawrev-2352	208	13	.	.	PUNCT
inlawrev-2352	209	1	the	the	DET
inlawrev-2352	209	2	intent	intent	NOUN
inlawrev-2352	209	3	of	of	ADP
inlawrev-2352	209	4	companies	company	NOUN
inlawrev-2352	209	5	using	use	VERB
inlawrev-2352	209	6	insurability	insurability	NOUN
inlawrev-2352	209	7	receipts	receipt	NOUN
inlawrev-2352	209	8	seems	seem	VERB
inlawrev-2352	209	9	clear	clear	ADJ
inlawrev-2352	209	10	from	from	ADP
inlawrev-2352	209	11	an	an	DET
inlawrev-2352	209	12	objective	objective	ADJ
inlawrev-2352	209	13	reading	reading	NOUN
inlawrev-2352	209	14	of	of	ADP
inlawrev-2352	209	15	the	the	DET
inlawrev-2352	209	16	receipts	receipt	NOUN
inlawrev-2352	209	17	.	.	PUNCT
inlawrev-2352	210	1	the	the	DET
inlawrev-2352	210	2	intent	intent	NOUN
inlawrev-2352	210	3	is	be	AUX
inlawrev-2352	210	4	to	to	PART
inlawrev-2352	210	5	grant	grant	VERB
inlawrev-2352	210	6	immediate	immediate	ADJ
inlawrev-2352	210	7	insurance	insurance	NOUN
inlawrev-2352	210	8	protection	protection	NOUN
inlawrev-2352	210	9	to	to	ADP
inlawrev-2352	210	10	the	the	DET
inlawrev-2352	210	11	applicant	applicant	NOUN
inlawrev-2352	210	12	if	if	SCONJ
inlawrev-2352	210	13	,	,	PUNCT
inlawrev-2352	210	14	and	and	CCONJ
inlawrev-2352	210	15	only	only	ADV
inlawrev-2352	210	16	if	if	SCONJ
inlawrev-2352	210	17	,	,	PUNCT
inlawrev-2352	210	18	he	he	PRON
inlawrev-2352	210	19	is	be	AUX
inlawrev-2352	210	20	an	an	DET
inlawrev-2352	210	21	insurable	insurable	ADJ
inlawrev-2352	210	22	risk	risk	NOUN
inlawrev-2352	210	23	.	.	PUNCT
inlawrev-2352	211	1	while	while	SCONJ
inlawrev-2352	211	2	this	this	DET
inlawrev-2352	211	3	intent	intent	NOUN
inlawrev-2352	211	4	is	be	AUX
inlawrev-2352	211	5	clearly	clearly	ADV
inlawrev-2352	211	6	not	not	PART
inlawrev-2352	211	7	the	the	DET
inlawrev-2352	211	8	same	same	ADJ
inlawrev-2352	211	9	as	as	ADP
inlawrev-2352	211	10	granting	grant	VERB
inlawrev-2352	211	11	unconditional	unconditional	ADJ
inlawrev-2352	211	12	,	,	PUNCT
inlawrev-2352	211	13	immediate	immediate	ADJ
inlawrev-2352	211	14	insurance	insurance	NOUN
inlawrev-2352	211	15	coverage	coverage	NOUN
inlawrev-2352	211	16	,	,	PUNCT
inlawrev-2352	211	17	neither	neither	CCONJ
inlawrev-2352	211	18	is	be	AUX
inlawrev-2352	211	19	it	it	PRON
inlawrev-2352	211	20	the	the	DET
inlawrev-2352	211	21	illusory	illusory	ADJ
inlawrev-2352	211	22	promise	promise	NOUN
inlawrev-2352	211	23	that	that	PRON
inlawrev-2352	211	24	decisions	decision	NOUN
inlawrev-2352	211	25	such	such	ADJ
inlawrev-2352	211	26	as	as	ADP
inlawrev-2352	211	27	service	service	NOUN
inlawrev-2352	211	28	would	would	AUX
inlawrev-2352	211	29	seem	seem	VERB
inlawrev-2352	211	30	to	to	PART
inlawrev-2352	211	31	indicate	indicate	VERB
inlawrev-2352	211	32	.	.	PUNCT
inlawrev-2352	212	1	thp	thp	PROPN
inlawrev-2352	212	2	promise	promise	VERB
inlawrev-2352	212	3	to	to	PART
inlawrev-2352	212	4	grant	grant	VERB
inlawrev-2352	212	5	immediate	immediate	ADJ
inlawrev-2352	212	6	coverage	coverage	NOUN
inlawrev-2352	212	7	dependent	dependent	ADJ
inlawrev-2352	212	8	upon	upon	SCONJ
inlawrev-2352	212	9	insurability	insurability	NOUN
inlawrev-2352	212	10	of	of	ADP
inlawrev-2352	212	11	the	the	DET
inlawrev-2352	212	12	applicant	applicant	NOUN
inlawrev-2352	212	13	has	have	VERB
inlawrev-2352	212	14	intrinsic	intrinsic	ADJ
inlawrev-2352	212	15	value	value	NOUN
inlawrev-2352	212	16	,	,	PUNCT
inlawrev-2352	212	17	apart	apart	ADV
inlawrev-2352	212	18	from	from	ADP
inlawrev-2352	212	19	the	the	DET
inlawrev-2352	212	20	value	value	NOUN
inlawrev-2352	212	21	'	'	PUNCT
inlawrev-2352	212	22	^^id	^^id	NUM
inlawrev-2352	212	23	.	.	PUNCT
inlawrev-2352	213	1	at	at	ADP
inlawrev-2352	213	2	214	214	NUM
inlawrev-2352	213	3	-	-	SYM
inlawrev-2352	213	4	15	15	NUM
inlawrev-2352	213	5	,	,	PUNCT
inlawrev-2352	213	6	440	440	NUM
inlawrev-2352	213	7	p.2d	p.2d	PUNCT
inlawrev-2352	213	8	at	at	ADP
inlawrev-2352	213	9	959	959	NUM
inlawrev-2352	213	10	.	.	PUNCT
inlawrev-2352	214	1	"	"	PUNCT
inlawrev-2352	214	2	m	m	VERB
inlawrev-2352	214	3	at	at	ADP
inlawrev-2352	214	4	214	214	NUM
inlawrev-2352	214	5	,	,	PUNCT
inlawrev-2352	214	6	440	440	NUM
inlawrev-2352	214	7	p.2d	p.2d	PUNCT
inlawrev-2352	214	8	at	at	ADP
inlawrev-2352	214	9	959	959	NUM
inlawrev-2352	214	10	.	.	PUNCT
inlawrev-2352	214	11	788	788	NUM
inlawrev-2352	214	12	indiana	indiana	PROPN
inlawrev-2352	214	13	la	la	PROPN
inlawrev-2352	214	14	w	w	PROPN
inlawrev-2352	214	15	review	review	PROPN
inlawrev-2352	214	16	[	[	X
inlawrev-2352	214	17	vol	vol	NOUN
inlawrev-2352	214	18	.	.	PUNCT
inlawrev-2352	215	1	12:777	12:777	NUM
inlawrev-2352	215	2	of	of	ADP
inlawrev-2352	215	3	the	the	DET
inlawrev-2352	215	4	promise	promise	NOUN
inlawrev-2352	215	5	to	to	PART
inlawrev-2352	215	6	grant	grant	VERB
inlawrev-2352	215	7	coverage	coverage	NOUN
inlawrev-2352	215	8	for	for	ADP
inlawrev-2352	215	9	a	a	DET
inlawrev-2352	215	10	definite	definite	ADJ
inlawrev-2352	215	11	period	period	NOUN
inlawrev-2352	215	12	of	of	ADP
inlawrev-2352	215	13	time	time	NOUN
inlawrev-2352	215	14	after	after	ADP
inlawrev-2352	215	15	issuance	issuance	NOUN
inlawrev-2352	215	16	of	of	ADP
inlawrev-2352	215	17	the	the	DET
inlawrev-2352	215	18	policy	policy	NOUN
inlawrev-2352	215	19	.	.	PUNCT
inlawrev-2352	216	1	the	the	DET
inlawrev-2352	216	2	applicant	applicant	NOUN
inlawrev-2352	216	3	is	be	AUX
inlawrev-2352	216	4	insured	insure	VERB
inlawrev-2352	216	5	before	before	SCONJ
inlawrev-2352	216	6	the	the	DET
inlawrev-2352	216	7	policy	policy	NOUN
inlawrev-2352	216	8	is	be	AUX
inlawrev-2352	216	9	issued	issue	VERB
inlawrev-2352	216	10	,	,	PUNCT
inlawrev-2352	216	11	contingent	contingent	ADJ
inlawrev-2352	216	12	upon	upon	SCONJ
inlawrev-2352	216	13	an	an	DET
inlawrev-2352	216	14	objective	objective	ADJ
inlawrev-2352	216	15	determination	determination	NOUN
inlawrev-2352	216	16	of	of	ADP
inlawrev-2352	216	17	insurability	insurability	NOUN
inlawrev-2352	216	18	,	,	PUNCT
inlawrev-2352	216	19	and	and	CCONJ
inlawrev-2352	216	20	is	be	AUX
inlawrev-2352	216	21	assured	assure	VERB
inlawrev-2352	216	22	that	that	SCONJ
inlawrev-2352	216	23	the	the	DET
inlawrev-2352	216	24	standard	standard	NOUN
inlawrev-2352	216	25	for	for	ADP
inlawrev-2352	216	26	determination	determination	NOUN
inlawrev-2352	216	27	of	of	ADP
inlawrev-2352	216	28	insurability	insurability	NOUN
inlawrev-2352	216	29	will	will	AUX
inlawrev-2352	216	30	not	not	PART
inlawrev-2352	216	31	change	change	VERB
inlawrev-2352	216	32	after	after	SCONJ
inlawrev-2352	216	33	the	the	DET
inlawrev-2352	216	34	premium	premium	NOUN
inlawrev-2352	216	35	is	be	AUX
inlawrev-2352	216	36	paid	pay	VERB
inlawrev-2352	216	37	.	.	PUNCT
inlawrev-2352	217	1	although	although	SCONJ
inlawrev-2352	217	2	the	the	DET
inlawrev-2352	217	3	value	value	NOUN
inlawrev-2352	217	4	of	of	ADP
inlawrev-2352	217	5	the	the	DET
inlawrev-2352	217	6	promise	promise	NOUN
inlawrev-2352	217	7	conditioned	condition	VERB
inlawrev-2352	217	8	on	on	ADP
inlawrev-2352	217	9	insurability	insurability	NOUN
inlawrev-2352	217	10	may	may	AUX
inlawrev-2352	217	11	be	be	AUX
inlawrev-2352	217	12	difficult	difficult	ADJ
inlawrev-2352	217	13	to	to	PART
inlawrev-2352	217	14	measure	measure	VERB
inlawrev-2352	217	15	,	,	PUNCT
inlawrev-2352	217	16	mere	mere	ADJ
inlawrev-2352	217	17	difficulty	difficulty	NOUN
inlawrev-2352	217	18	of	of	ADP
inlawrev-2352	217	19	measurement	measurement	NOUN
inlawrev-2352	217	20	should	should	AUX
inlawrev-2352	217	21	not	not	PART
inlawrev-2352	217	22	invalidate	invalidate	VERB
inlawrev-2352	217	23	the	the	DET
inlawrev-2352	217	24	promise	promise	NOUN
inlawrev-2352	217	25	.	.	PUNCT
inlawrev-2352	218	1	while	while	SCONJ
inlawrev-2352	218	2	the	the	DET
inlawrev-2352	218	3	value	value	NOUN
inlawrev-2352	218	4	of	of	ADP
inlawrev-2352	218	5	the	the	DET
inlawrev-2352	218	6	promise	promise	NOUN
inlawrev-2352	218	7	conditioned	condition	VERB
inlawrev-2352	218	8	on	on	ADP
inlawrev-2352	218	9	insurability	insurability	NOUN
inlawrev-2352	218	10	may	may	AUX
inlawrev-2352	218	11	not	not	PART
inlawrev-2352	218	12	be	be	AUX
inlawrev-2352	218	13	precisely	precisely	ADV
inlawrev-2352	218	14	equal	equal	ADJ
inlawrev-2352	218	15	to	to	ADP
inlawrev-2352	218	16	the	the	DET
inlawrev-2352	218	17	amount	amount	NOUN
inlawrev-2352	218	18	paid	pay	VERB
inlawrev-2352	218	19	for	for	ADP
inlawrev-2352	218	20	the	the	DET
inlawrev-2352	218	21	first	first	ADJ
inlawrev-2352	218	22	premium	premium	NOUN
inlawrev-2352	218	23	,	,	PUNCT
inlawrev-2352	218	24	that	that	DET
inlawrev-2352	218	25	amount	amount	NOUN
inlawrev-2352	218	26	seems	seem	VERB
inlawrev-2352	218	27	as	as	ADP
inlawrev-2352	218	28	appropriate	appropriate	ADJ
inlawrev-2352	218	29	a	a	DET
inlawrev-2352	218	30	measure	measure	NOUN
inlawrev-2352	218	31	of	of	ADP
inlawrev-2352	218	32	the	the	DET
inlawrev-2352	218	33	value	value	NOUN
inlawrev-2352	218	34	of	of	ADP
inlawrev-2352	218	35	the	the	DET
inlawrev-2352	218	36	promise	promise	NOUN
inlawrev-2352	218	37	as	as	ADP
inlawrev-2352	218	38	any	any	DET
inlawrev-2352	218	39	other	other	ADJ
inlawrev-2352	218	40	.	.	PUNCT
inlawrev-2352	219	1	furthermore	furthermore	ADV
inlawrev-2352	219	2	,	,	PUNCT
inlawrev-2352	219	3	if	if	SCONJ
inlawrev-2352	219	4	the	the	DET
inlawrev-2352	219	5	applicant	applicant	NOUN
inlawrev-2352	219	6	is	be	AUX
inlawrev-2352	219	7	insurable	insurable	ADJ
inlawrev-2352	219	8	,	,	PUNCT
inlawrev-2352	219	9	the	the	DET
inlawrev-2352	219	10	insurance	insurance	NOUN
inlawrev-2352	219	11	company	company	NOUN
inlawrev-2352	219	12	is	be	AUX
inlawrev-2352	219	13	entitled	entitle	VERB
inlawrev-2352	219	14	to	to	PART
inlawrev-2352	219	15	be	be	AUX
inlawrev-2352	219	16	compensated	compensate	VERB
inlawrev-2352	219	17	at	at	ADP
inlawrev-2352	219	18	its	its	PRON
inlawrev-2352	219	19	regular	regular	ADJ
inlawrev-2352	219	20	premium	premium	NOUN
inlawrev-2352	219	21	rates	rate	NOUN
inlawrev-2352	219	22	for	for	ADP
inlawrev-2352	219	23	having	having	AUX
inlawrev-2352	219	24	assumed	assume	VERB
inlawrev-2352	219	25	the	the	DET
inlawrev-2352	219	26	risk	risk	NOUN
inlawrev-2352	219	27	from	from	ADP
inlawrev-2352	219	28	the	the	DET
inlawrev-2352	219	29	time	time	NOUN
inlawrev-2352	219	30	the	the	DET
inlawrev-2352	219	31	application	application	NOUN
inlawrev-2352	219	32	was	be	AUX
inlawrev-2352	219	33	submitted	submit	VERB
inlawrev-2352	219	34	until	until	ADP
inlawrev-2352	219	35	the	the	DET
inlawrev-2352	219	36	time	time	NOUN
inlawrev-2352	219	37	the	the	DET
inlawrev-2352	219	38	policy	policy	NOUN
inlawrev-2352	219	39	is	be	AUX
inlawrev-2352	219	40	issued.^^	issued.^^	PUNCT
inlawrev-2352	220	1	the	the	DET
inlawrev-2352	220	2	average	average	ADJ
inlawrev-2352	220	3	insurance	insurance	NOUN
inlawrev-2352	220	4	applicant	applicant	NOUN
inlawrev-2352	220	5	can	can	AUX
inlawrev-2352	220	6	not	not	PART
inlawrev-2352	220	7	reasonably	reasonably	ADV
inlawrev-2352	220	8	expect	expect	VERB
inlawrev-2352	220	9	an	an	DET
inlawrev-2352	220	10	insurance	insurance	NOUN
inlawrev-2352	220	11	company	company	NOUN
inlawrev-2352	220	12	to	to	PART
inlawrev-2352	220	13	assume	assume	VERB
inlawrev-2352	220	14	full	full	ADJ
inlawrev-2352	220	15	,	,	PUNCT
inlawrev-2352	220	16	unconditional	unconditional	ADJ
inlawrev-2352	220	17	liability	liability	NOUN
inlawrev-2352	220	18	without	without	ADP
inlawrev-2352	220	19	first	first	ADV
inlawrev-2352	220	20	making	make	VERB
inlawrev-2352	220	21	an	an	DET
inlawrev-2352	220	22	investigation	investigation	NOUN
inlawrev-2352	220	23	into	into	ADP
inlawrev-2352	220	24	the	the	DET
inlawrev-2352	220	25	applicant	applicant	NOUN
inlawrev-2352	220	26	's	's	PART
inlawrev-2352	220	27	health	health	NOUN
inlawrev-2352	220	28	.	.	PUNCT
inlawrev-2352	221	1	the	the	DET
inlawrev-2352	221	2	insurancebuying	insurancebuye	VERB
inlawrev-2352	221	3	public	public	NOUN
inlawrev-2352	221	4	probably	probably	ADV
inlawrev-2352	221	5	understands	understand	VERB
inlawrev-2352	221	6	that	that	SCONJ
inlawrev-2352	221	7	only	only	ADV
inlawrev-2352	221	8	reasonably	reasonably	ADV
inlawrev-2352	221	9	healthy	healthy	ADJ
inlawrev-2352	221	10	people	people	NOUN
inlawrev-2352	221	11	can	can	AUX
inlawrev-2352	221	12	purchase	purchase	VERB
inlawrev-2352	221	13	life	life	NOUN
inlawrev-2352	221	14	insurance	insurance	NOUN
inlawrev-2352	221	15	at	at	ADP
inlawrev-2352	221	16	standard	standard	ADJ
inlawrev-2352	221	17	rates	rate	NOUN
inlawrev-2352	221	18	and	and	CCONJ
inlawrev-2352	221	19	that	that	SCONJ
inlawrev-2352	221	20	physical	physical	ADJ
inlawrev-2352	221	21	examinations	examination	NOUN
inlawrev-2352	221	22	are	be	AUX
inlawrev-2352	221	23	often	often	ADV
inlawrev-2352	221	24	required	require	VERB
inlawrev-2352	221	25	.	.	PUNCT
inlawrev-2352	222	1	a	a	DET
inlawrev-2352	222	2	reasonable	reasonable	ADJ
inlawrev-2352	222	3	person	person	NOUN
inlawrev-2352	222	4	could	could	AUX
inlawrev-2352	222	5	not	not	PART
inlawrev-2352	222	6	expect	expect	VERB
inlawrev-2352	222	7	the	the	DET
inlawrev-2352	222	8	results	result	NOUN
inlawrev-2352	222	9	of	of	ADP
inlawrev-2352	222	10	a	a	DET
inlawrev-2352	222	11	physical	physical	ADJ
inlawrev-2352	222	12	examination	examination	NOUN
inlawrev-2352	222	13	to	to	PART
inlawrev-2352	222	14	have	have	VERB
inlawrev-2352	222	15	no	no	DET
inlawrev-2352	222	16	effect	effect	NOUN
inlawrev-2352	222	17	on	on	ADP
inlawrev-2352	222	18	a	a	DET
inlawrev-2352	222	19	company	company	NOUN
inlawrev-2352	222	20	's	's	PART
inlawrev-2352	222	21	decision	decision	NOUN
inlawrev-2352	222	22	to	to	PART
inlawrev-2352	222	23	offer	offer	VERB
inlawrev-2352	222	24	insurance.^	insurance.^	NOUN
inlawrev-2352	222	25	®	®	NOUN
inlawrev-2352	222	26	"	"	PUNCT
inlawrev-2352	222	27	crowe	crowe	PROPN
inlawrev-2352	222	28	had	have	VERB
inlawrev-2352	222	29	a	a	DET
inlawrev-2352	222	30	similar	similar	ADJ
inlawrev-2352	222	31	criticism	criticism	NOUN
inlawrev-2352	222	32	of	of	ADP
inlawrev-2352	222	33	the	the	DET
inlawrev-2352	222	34	allen	allen	PROPN
inlawrev-2352	222	35	court	court	PROPN
inlawrev-2352	222	36	's	's	PART
inlawrev-2352	222	37	interpretation	interpretation	NOUN
inlawrev-2352	222	38	of	of	ADP
inlawrev-2352	222	39	the	the	DET
inlawrev-2352	222	40	receipt	receipt	NOUN
inlawrev-2352	222	41	:	:	PUNCT
inlawrev-2352	222	42	it	it	PRON
inlawrev-2352	222	43	seems	seem	VERB
inlawrev-2352	222	44	to	to	ADP
inlawrev-2352	222	45	me	i	PRON
inlawrev-2352	222	46	that	that	SCONJ
inlawrev-2352	222	47	the	the	DET
inlawrev-2352	222	48	opinion	opinion	NOUN
inlawrev-2352	222	49	in	in	ADP
inlawrev-2352	222	50	the	the	DET
inlawrev-2352	222	51	allen	allen	PROPN
inlawrev-2352	222	52	case	case	NOUN
inlawrev-2352	222	53	includes	include	VERB
inlawrev-2352	222	54	language	language	NOUN
inlawrev-2352	222	55	which	which	PRON
inlawrev-2352	222	56	may	may	AUX
inlawrev-2352	222	57	become	become	VERB
inlawrev-2352	222	58	the	the	DET
inlawrev-2352	222	59	basis	basis	NOUN
inlawrev-2352	222	60	for	for	ADP
inlawrev-2352	222	61	an	an	DET
inlawrev-2352	222	62	undesirable	undesirable	ADJ
inlawrev-2352	222	63	departure	departure	NOUN
inlawrev-2352	222	64	from	from	ADP
inlawrev-2352	222	65	the	the	DET
inlawrev-2352	222	66	basic	basic	ADJ
inlawrev-2352	222	67	principles	principle	NOUN
inlawrev-2352	222	68	of	of	ADP
inlawrev-2352	222	69	contract	contract	NOUN
inlawrev-2352	222	70	law	law	NOUN
inlawrev-2352	222	71	....	....	PUNCT
inlawrev-2352	223	1	the	the	DET
inlawrev-2352	223	2	court	court	NOUN
inlawrev-2352	223	3	seems	seem	VERB
inlawrev-2352	223	4	to	to	PART
inlawrev-2352	223	5	approach	approach	VERB
inlawrev-2352	223	6	the	the	DET
inlawrev-2352	223	7	problem	problem	NOUN
inlawrev-2352	223	8	as	as	SCONJ
inlawrev-2352	223	9	if	if	SCONJ
inlawrev-2352	223	10	the	the	DET
inlawrev-2352	223	11	advance	advance	NOUN
inlawrev-2352	223	12	payment	payment	NOUN
inlawrev-2352	223	13	of	of	ADP
inlawrev-2352	223	14	premium	premium	NOUN
inlawrev-2352	223	15	is	be	AUX
inlawrev-2352	223	16	to	to	PART
inlawrev-2352	223	17	buy	buy	VERB
inlawrev-2352	223	18	interim	interim	ADJ
inlawrev-2352	223	19	coverage	coverage	NOUN
inlawrev-2352	223	20	and	and	CCONJ
inlawrev-2352	223	21	nothing	nothing	PRON
inlawrev-2352	223	22	else	else	ADV
inlawrev-2352	223	23	,	,	PUNCT
inlawrev-2352	223	24	and	and	CCONJ
inlawrev-2352	223	25	that	that	SCONJ
inlawrev-2352	223	26	the	the	DET
inlawrev-2352	223	27	applicant	applicant	NOUN
inlawrev-2352	223	28	has	have	AUX
inlawrev-2352	223	29	paid	pay	VERB
inlawrev-2352	223	30	something	something	PRON
inlawrev-2352	223	31	for	for	ADP
inlawrev-2352	223	32	nothing	nothing	PRON
inlawrev-2352	223	33	if	if	SCONJ
inlawrev-2352	223	34	the	the	DET
inlawrev-2352	223	35	coverage	coverage	NOUN
inlawrev-2352	223	36	is	be	AUX
inlawrev-2352	223	37	not	not	PART
inlawrev-2352	223	38	extended	extend	VERB
inlawrev-2352	223	39	.	.	PUNCT
inlawrev-2352	224	1	this	this	PRON
inlawrev-2352	224	2	is	be	AUX
inlawrev-2352	224	3	not	not	PART
inlawrev-2352	224	4	true	true	ADJ
inlawrev-2352	224	5	.	.	PUNCT
inlawrev-2352	225	1	if	if	SCONJ
inlawrev-2352	225	2	there	there	PRON
inlawrev-2352	225	3	is	be	VERB
inlawrev-2352	225	4	no	no	DET
inlawrev-2352	225	5	coverage	coverage	NOUN
inlawrev-2352	225	6	.	.	PUNCT
inlawrev-2352	225	7	.	.	PUNCT
inlawrev-2352	225	8	.	.	PUNCT
inlawrev-2352	226	1	because	because	SCONJ
inlawrev-2352	226	2	the	the	DET
inlawrev-2352	226	3	applicant	applicant	NOUN
inlawrev-2352	226	4	is	be	AUX
inlawrev-2352	226	5	not	not	PART
inlawrev-2352	226	6	insurable	insurable	ADJ
inlawrev-2352	226	7	(	(	PUNCT
inlawrev-2352	226	8	insurability	insurability	NOUN
inlawrev-2352	226	9	form	form	NOUN
inlawrev-2352	226	10	of	of	ADP
inlawrev-2352	226	11	receipt	receipt	NOUN
inlawrev-2352	226	12	)	)	PUNCT
inlawrev-2352	226	13	,	,	PUNCT
inlawrev-2352	226	14	the	the	DET
inlawrev-2352	226	15	entire	entire	ADJ
inlawrev-2352	226	16	premium	premium	NOUN
inlawrev-2352	226	17	is	be	AUX
inlawrev-2352	226	18	returned	return	VERB
inlawrev-2352	226	19	in	in	ADP
inlawrev-2352	226	20	full	full	ADJ
inlawrev-2352	226	21	to	to	ADP
inlawrev-2352	226	22	the	the	DET
inlawrev-2352	226	23	applicant	applicant	NOUN
inlawrev-2352	226	24	so	so	SCONJ
inlawrev-2352	226	25	that	that	SCONJ
inlawrev-2352	226	26	he	he	PRON
inlawrev-2352	226	27	is	be	AUX
inlawrev-2352	226	28	made	make	VERB
inlawrev-2352	226	29	whole	whole	ADJ
inlawrev-2352	226	30	and	and	CCONJ
inlawrev-2352	226	31	he	he	PRON
inlawrev-2352	226	32	has	have	AUX
inlawrev-2352	226	33	not	not	PART
inlawrev-2352	226	34	paid	pay	VERB
inlawrev-2352	226	35	"	"	PUNCT
inlawrev-2352	226	36	something	something	PRON
inlawrev-2352	226	37	for	for	ADP
inlawrev-2352	226	38	nothing	nothing	PRON
inlawrev-2352	226	39	,	,	PUNCT
inlawrev-2352	226	40	"	"	PUNCT
inlawrev-2352	226	41	and	and	CCONJ
inlawrev-2352	226	42	if	if	SCONJ
inlawrev-2352	226	43	he	he	PRON
inlawrev-2352	226	44	has	have	VERB
inlawrev-2352	226	45	no	no	DET
inlawrev-2352	226	46	coverage	coverage	NOUN
inlawrev-2352	226	47	,	,	PUNCT
inlawrev-2352	226	48	neither	neither	CCONJ
inlawrev-2352	226	49	has	have	VERB
inlawrev-2352	226	50	he	he	PRON
inlawrev-2352	226	51	any	any	DET
inlawrev-2352	226	52	cost	cost	NOUN
inlawrev-2352	226	53	.	.	PUNCT
inlawrev-2352	227	1	crowe	crowe	PROPN
inlawrev-2352	227	2	,	,	PUNCT
inlawrev-2352	227	3	supra	supra	PROPN
inlawrev-2352	227	4	note	note	PROPN
inlawrev-2352	227	5	1	1	NUM
inlawrev-2352	227	6	,	,	PUNCT
inlawrev-2352	227	7	at	at	ADP
inlawrev-2352	227	8	60	60	NUM
inlawrev-2352	227	9	-	-	SYM
inlawrev-2352	227	10	61	61	NUM
inlawrev-2352	227	11	.	.	PUNCT
inlawrev-2352	228	1	fortunato	fortunato	PROPN
inlawrev-2352	228	2	characterizes	characterize	VERB
inlawrev-2352	228	3	the	the	DET
inlawrev-2352	228	4	benefit	benefit	NOUN
inlawrev-2352	228	5	conferred	confer	VERB
inlawrev-2352	228	6	by	by	ADP
inlawrev-2352	228	7	insurability	insurability	NOUN
inlawrev-2352	228	8	receipts	receipt	NOUN
inlawrev-2352	228	9	as	as	ADP
inlawrev-2352	228	10	a	a	DET
inlawrev-2352	228	11	"	"	PUNCT
inlawrev-2352	228	12	freeze	freeze	NOUN
inlawrev-2352	228	13	"	"	PUNCT
inlawrev-2352	228	14	of	of	ADP
inlawrev-2352	228	15	the	the	DET
inlawrev-2352	228	16	applicant	applicant	NOUN
inlawrev-2352	228	17	's	's	PART
inlawrev-2352	228	18	status	status	NOUN
inlawrev-2352	228	19	.	.	PUNCT
inlawrev-2352	229	1	fortunato	fortunato	PROPN
inlawrev-2352	229	2	,	,	PUNCT
inlawrev-2352	229	3	supra	supra	PROPN
inlawrev-2352	229	4	note	note	NOUN
inlawrev-2352	229	5	1	1	NUM
inlawrev-2352	229	6	,	,	PUNCT
inlawrev-2352	229	7	at	at	ADP
inlawrev-2352	229	8	21	21	NUM
inlawrev-2352	229	9	.	.	PUNCT
inlawrev-2352	230	1	"	"	PUNCT
inlawrev-2352	230	2	crowe	crowe	PROPN
inlawrev-2352	230	3	commented	comment	VERB
inlawrev-2352	230	4	on	on	ADP
inlawrev-2352	230	5	the	the	DET
inlawrev-2352	230	6	allen	allen	ADJ
inlawrev-2352	230	7	decision	decision	NOUN
inlawrev-2352	230	8	as	as	SCONJ
inlawrev-2352	230	9	follows	follow	VERB
inlawrev-2352	230	10	:	:	PUNCT
inlawrev-2352	230	11	i	i	PRON
inlawrev-2352	230	12	think	think	VERB
inlawrev-2352	230	13	the	the	DET
inlawrev-2352	230	14	court	court	NOUN
inlawrev-2352	230	15	compounded	compound	VERB
inlawrev-2352	230	16	the	the	DET
inlawrev-2352	230	17	error	error	NOUN
inlawrev-2352	230	18	of	of	ADP
inlawrev-2352	230	19	its	its	PRON
inlawrev-2352	230	20	erroneous	erroneous	ADJ
inlawrev-2352	230	21	assumption	assumption	NOUN
inlawrev-2352	230	22	that	that	SCONJ
inlawrev-2352	230	23	the	the	DET
inlawrev-2352	230	24	applicant	applicant	NOUN
inlawrev-2352	230	25	"	"	PUNCT
inlawrev-2352	230	26	undoubtedly	undoubtedly	ADV
inlawrev-2352	230	27	assumed	assume	VERB
inlawrev-2352	230	28	"	"	PUNCT
inlawrev-2352	230	29	there	there	PRON
inlawrev-2352	230	30	was	be	VERB
inlawrev-2352	230	31	interim	interim	ADJ
inlawrev-2352	230	32	coverage	coverage	NOUN
inlawrev-2352	230	33	by	by	ADP
inlawrev-2352	230	34	creating	create	VERB
inlawrev-2352	230	35	a	a	DET
inlawrev-2352	230	36	very	very	ADV
inlawrev-2352	230	37	strong	strong	ADJ
inlawrev-2352	230	38	implication	implication	NOUN
inlawrev-2352	230	39	that	that	SCONJ
inlawrev-2352	230	40	,	,	PUNCT
inlawrev-2352	230	41	as	as	ADP
inlawrev-2352	230	42	a	a	DET
inlawrev-2352	230	43	matter	matter	NOUN
inlawrev-2352	230	44	of	of	ADP
inlawrev-2352	230	45	law	law	NOUN
inlawrev-2352	230	46	,	,	PUNCT
inlawrev-2352	230	47	payment	payment	NOUN
inlawrev-2352	230	48	of	of	ADP
inlawrev-2352	230	49	advance	advance	NOUN
inlawrev-2352	230	50	premium	premium	NOUN
inlawrev-2352	230	51	and	and	CCONJ
inlawrev-2352	230	52	receipt	receipt	NOUN
inlawrev-2352	230	53	of	of	ADP
inlawrev-2352	230	54	a	a	DET
inlawrev-2352	230	55	conditional	conditional	ADJ
inlawrev-2352	230	56	receipt	receipt	NOUN
inlawrev-2352	230	57	by	by	ADP
inlawrev-2352	230	58	an	an	DET
inlawrev-2352	230	59	applicant	applicant	NOUN
inlawrev-2352	230	60	entitles	entitle	VERB
inlawrev-2352	230	61	the	the	DET
inlawrev-2352	230	62	applicant	applicant	NOUN
inlawrev-2352	230	63	to	to	PART
inlawrev-2352	230	64	expect	expect	VERB
inlawrev-2352	230	65	that	that	SCONJ
inlawrev-2352	230	66	interim	interim	ADJ
inlawrev-2352	230	67	insurance	insurance	NOUN
inlawrev-2352	230	68	is	be	AUX
inlawrev-2352	230	69	in	in	ADP
inlawrev-2352	230	70	force	force	NOUN
inlawrev-2352	230	71	,	,	PUNCT
inlawrev-2352	230	72	unconditionally	unconditionally	ADV
inlawrev-2352	230	73	,	,	PUNCT
inlawrev-2352	230	74	until	until	SCONJ
inlawrev-2352	230	75	a	a	DET
inlawrev-2352	230	76	policy	policy	NOUN
inlawrev-2352	230	77	is	be	AUX
inlawrev-2352	230	78	issued	issue	VERB
inlawrev-2352	230	79	or	or	CCONJ
inlawrev-2352	230	80	the	the	DET
inlawrev-2352	230	81	application	application	NOUN
inlawrev-2352	230	82	is	be	AUX
inlawrev-2352	230	83	rejected	reject	VERB
inlawrev-2352	230	84	.	.	PUNCT
inlawrev-2352	231	1	i	i	PRON
inlawrev-2352	231	2	submit	submit	VERB
inlawrev-2352	231	3	that	that	SCONJ
inlawrev-2352	231	4	this	this	DET
inlawrev-2352	231	5	implication	implication	NOUN
inlawrev-2352	231	6	is	be	AUX
inlawrev-2352	231	7	present	present	ADJ
inlawrev-2352	231	8	in	in	ADP
inlawrev-2352	231	9	the	the	DET
inlawrev-2352	231	10	opinion	opinion	NOUN
inlawrev-2352	231	11	and	and	CCONJ
inlawrev-2352	231	12	that	that	SCONJ
inlawrev-2352	231	13	the	the	DET
inlawrev-2352	231	14	same	same	ADJ
inlawrev-2352	231	15	comes	come	VERB
inlawrev-2352	231	16	extremely	extremely	ADV
inlawrev-2352	231	17	close	close	ADJ
inlawrev-2352	231	18	to	to	ADP
inlawrev-2352	231	19	a	a	DET
inlawrev-2352	231	20	determination	determination	NOUN
inlawrev-2352	231	21	that	that	SCONJ
inlawrev-2352	231	22	as	as	ADP
inlawrev-2352	231	23	a	a	DET
inlawrev-2352	231	24	matter	matter	NOUN
inlawrev-2352	231	25	of	of	ADP
inlawrev-2352	231	26	public	public	ADJ
inlawrev-2352	231	27	policy	policy	NOUN
inlawrev-2352	231	28	,	,	PUNCT
inlawrev-2352	231	29	payment	payment	NOUN
inlawrev-2352	231	30	of	of	ADP
inlawrev-2352	231	31	advance	advance	NOUN
inlawrev-2352	231	32	premium	premium	NOUN
inlawrev-2352	231	33	results	result	NOUN
inlawrev-2352	231	34	in	in	ADP
inlawrev-2352	231	35	interim	interim	ADJ
inlawrev-2352	231	36	coverage	coverage	NOUN
inlawrev-2352	231	37	as	as	ADP
inlawrev-2352	231	38	,	,	PUNCT
inlawrev-2352	231	39	so	so	ADV
inlawrev-2352	231	40	reasons	reason	NOUN
inlawrev-2352	231	41	the	the	DET
inlawrev-2352	231	42	court	court	NOUN
inlawrev-2352	231	43	,	,	PUNCT
inlawrev-2352	231	44	the	the	DET
inlawrev-2352	231	45	only	only	ADJ
inlawrev-2352	231	46	just	just	ADV
inlawrev-2352	231	47	and	and	CCONJ
inlawrev-2352	231	48	equitable	equitable	ADJ
inlawrev-2352	231	49	result	result	NOUN
inlawrev-2352	231	50	fulfilling	fulfil	VERB
inlawrev-2352	231	51	the	the	DET
inlawrev-2352	231	52	reasonable	reasonable	ADJ
inlawrev-2352	231	53	expectations	expectation	NOUN
inlawrev-2352	231	54	of	of	ADP
inlawrev-2352	231	55	the	the	DET
inlawrev-2352	231	56	applicant	applicant	NOUN
inlawrev-2352	231	57	.	.	PUNCT
inlawrev-2352	232	1	if	if	SCONJ
inlawrev-2352	232	2	my	my	PRON
inlawrev-2352	232	3	analysis	analysis	NOUN
inlawrev-2352	232	4	is	be	AUX
inlawrev-2352	232	5	correct	correct	ADJ
inlawrev-2352	232	6	,	,	PUNCT
inlawrev-2352	232	7	the	the	DET
inlawrev-2352	232	8	rationale	rationale	NOUN
inlawrev-2352	232	9	of	of	ADP
inlawrev-2352	232	10	the	the	DET
inlawrev-2352	232	11	allen	allen	PROPN
inlawrev-2352	232	12	case	case	NOUN
inlawrev-2352	232	13	involves	involve	VERB
inlawrev-2352	232	14	abrogation	abrogation	NOUN
inlawrev-2352	232	15	of	of	ADP
inlawrev-2352	232	16	the	the	DET
inlawrev-2352	232	17	law	law	NOUN
inlawrev-2352	232	18	of	of	ADP
inlawrev-2352	232	19	contracts	contract	NOUN
inlawrev-2352	232	20	.	.	PUNCT
inlawrev-2352	233	1	crowe	crowe	PROPN
inlawrev-2352	233	2	,	,	PUNCT
inlawrev-2352	233	3	supra	supra	PROPN
inlawrev-2352	233	4	note	note	PROPN
inlawrev-2352	233	5	1	1	NUM
inlawrev-2352	233	6	,	,	PUNCT
inlawrev-2352	233	7	at	at	ADP
inlawrev-2352	233	8	61	61	NUM
inlawrev-2352	233	9	.	.	PUNCT
inlawrev-2352	233	10	1979	1979	NUM
inlawrev-2352	233	11	]	]	PUNCT
inlawrev-2352	233	12	conditional	conditional	ADJ
inlawrev-2352	233	13	receipts	receipt	NOUN
inlawrev-2352	233	14	789	789	NUM
inlawrev-2352	233	15	service	service	NOUN
inlawrev-2352	233	16	,	,	PUNCT
inlawrev-2352	233	17	therefore	therefore	ADV
inlawrev-2352	233	18	,	,	PUNCT
inlawrev-2352	233	19	is	be	AUX
inlawrev-2352	233	20	logically	logically	ADV
inlawrev-2352	233	21	flawed	flawed	ADJ
inlawrev-2352	233	22	.	.	PUNCT
inlawrev-2352	234	1	the	the	DET
inlawrev-2352	234	2	court	court	NOUN
inlawrev-2352	234	3	used	use	VERB
inlawrev-2352	234	4	concepts	concept	NOUN
inlawrev-2352	234	5	properly	properly	ADV
inlawrev-2352	234	6	applicable	applicable	ADJ
inlawrev-2352	234	7	to	to	ADP
inlawrev-2352	234	8	approval	approval	NOUN
inlawrev-2352	234	9	receipts	receipt	NOUN
inlawrev-2352	234	10	rather	rather	ADV
inlawrev-2352	234	11	than	than	ADP
inlawrev-2352	234	12	to	to	ADP
inlawrev-2352	234	13	insurability	insurability	NOUN
inlawrev-2352	234	14	receipts	receipt	NOUN
inlawrev-2352	234	15	.	.	PUNCT
inlawrev-2352	235	1	the	the	DET
inlawrev-2352	235	2	court	court	NOUN
inlawrev-2352	235	3	also	also	ADV
inlawrev-2352	235	4	failed	fail	VERB
inlawrev-2352	235	5	to	to	PART
inlawrev-2352	235	6	recognize	recognize	VERB
inlawrev-2352	235	7	the	the	DET
inlawrev-2352	235	8	definite	definite	ADJ
inlawrev-2352	235	9	,	,	PUNCT
inlawrev-2352	235	10	although	although	SCONJ
inlawrev-2352	235	11	difficult	difficult	ADJ
inlawrev-2352	235	12	to	to	PART
inlawrev-2352	235	13	measure	measure	VERB
inlawrev-2352	235	14	,	,	PUNCT
inlawrev-2352	235	15	benefit	benefit	NOUN
inlawrev-2352	235	16	given	give	VERB
inlawrev-2352	235	17	to	to	ADP
inlawrev-2352	235	18	the	the	DET
inlawrev-2352	235	19	applicant	applicant	NOUN
inlawrev-2352	235	20	by	by	ADP
inlawrev-2352	235	21	the	the	DET
inlawrev-2352	235	22	receipt	receipt	NOUN
inlawrev-2352	235	23	.	.	PUNCT
inlawrev-2352	236	1	the	the	DET
inlawrev-2352	236	2	indiana	indiana	PROPN
inlawrev-2352	236	3	court	court	PROPN
inlawrev-2352	236	4	in	in	ADP
inlawrev-2352	236	5	kaiser	kaiser	PROPN
inlawrev-2352	236	6	quoted	quote	VERB
inlawrev-2352	236	7	extensively	extensively	ADV
inlawrev-2352	236	8	from	from	ADP
inlawrev-2352	236	9	those	those	DET
inlawrev-2352	236	10	portions	portion	NOUN
inlawrev-2352	236	11	of	of	ADP
inlawrev-2352	236	12	the	the	DET
inlawrev-2352	236	13	service	service	NOUN
inlawrev-2352	236	14	decision	decision	NOUN
inlawrev-2352	236	15	dealing	deal	VERB
inlawrev-2352	236	16	with	with	ADP
inlawrev-2352	236	17	the	the	DET
inlawrev-2352	236	18	question	question	NOUN
inlawrev-2352	236	19	of	of	ADP
inlawrev-2352	236	20	consideration	consideration	NOUN
inlawrev-2352	236	21	on	on	ADP
inlawrev-2352	236	22	the	the	DET
inlawrev-2352	236	23	part	part	NOUN
inlawrev-2352	236	24	of	of	ADP
inlawrev-2352	236	25	the	the	DET
inlawrev-2352	236	26	company	company	NOUN
inlawrev-2352	236	27	.^^	.^^	PUNCT
inlawrev-2352	237	1	thus	thus	ADV
inlawrev-2352	237	2	,	,	PUNCT
inlawrev-2352	237	3	the	the	DET
inlawrev-2352	237	4	indiana	indiana	PROPN
inlawrev-2352	237	5	court	court	PROPN
inlawrev-2352	237	6	apparently	apparently	ADV
inlawrev-2352	237	7	failed	fail	VERB
inlawrev-2352	237	8	to	to	PART
inlawrev-2352	237	9	distinguish	distinguish	VERB
inlawrev-2352	237	10	between	between	ADP
inlawrev-2352	237	11	an	an	DET
inlawrev-2352	237	12	approval	approval	NOUN
inlawrev-2352	237	13	receipt	receipt	NOUN
inlawrev-2352	237	14	and	and	CCONJ
inlawrev-2352	237	15	an	an	DET
inlawrev-2352	237	16	insurability	insurability	NOUN
inlawrev-2352	237	17	receipt	receipt	NOUN
inlawrev-2352	237	18	.	.	PUNCT
inlawrev-2352	238	1	furthermore	furthermore	ADV
inlawrev-2352	238	2	,	,	PUNCT
inlawrev-2352	238	3	the	the	DET
inlawrev-2352	238	4	court	court	NOUN
inlawrev-2352	238	5	did	do	AUX
inlawrev-2352	238	6	not	not	PART
inlawrev-2352	238	7	consider	consider	VERB
inlawrev-2352	238	8	the	the	DET
inlawrev-2352	238	9	possibility	possibility	NOUN
inlawrev-2352	238	10	that	that	SCONJ
inlawrev-2352	238	11	a	a	DET
inlawrev-2352	238	12	promise	promise	NOUN
inlawrev-2352	238	13	to	to	PART
inlawrev-2352	238	14	insure	insure	VERB
inlawrev-2352	238	15	conditioned	condition	VERB
inlawrev-2352	238	16	upon	upon	SCONJ
inlawrev-2352	238	17	insurability	insurability	NOUN
inlawrev-2352	238	18	has	have	AUX
inlawrev-2352	238	19	some	some	DET
inlawrev-2352	238	20	value	value	NOUN
inlawrev-2352	238	21	.	.	PUNCT
inlawrev-2352	239	1	the	the	DET
inlawrev-2352	239	2	kaiser	kaiser	PROPN
inlawrev-2352	239	3	court	court	PROPN
inlawrev-2352	239	4	also	also	ADV
inlawrev-2352	239	5	discussed	discuss	VERB
inlawrev-2352	239	6	an	an	DET
inlawrev-2352	239	7	indiana	indiana	NOUN
inlawrev-2352	239	8	case	case	NOUN
inlawrev-2352	239	9	,	,	PUNCT
inlawrev-2352	239	10	western	western	ADJ
inlawrev-2352	239	11	&	&	CCONJ
inlawrev-2352	239	12	southern	southern	ADJ
inlawrev-2352	239	13	life	life	PROPN
inlawrev-2352	239	14	insurance	insurance	PROPN
inlawrev-2352	239	15	co.	co.	PROPN
inlawrev-2352	240	1	v.	v.	CCONJ
inlawrev-2352	240	2	vale.^^	vale.^^	X
inlawrev-2352	240	3	vale	vale	PROPN
inlawrev-2352	240	4	concerned	concern	VERB
inlawrev-2352	240	5	an	an	DET
inlawrev-2352	240	6	application	application	NOUN
inlawrev-2352	240	7	for	for	ADP
inlawrev-2352	240	8	a	a	DET
inlawrev-2352	240	9	$	$	SYM
inlawrev-2352	240	10	761	761	NUM
inlawrev-2352	240	11	industrial	industrial	ADJ
inlawrev-2352	240	12	life	life	NOUN
inlawrev-2352	240	13	insurance	insurance	NOUN
inlawrev-2352	240	14	policy	policy	NOUN
inlawrev-2352	240	15	.	.	PUNCT
inlawrev-2352	241	1	the	the	DET
inlawrev-2352	241	2	receipt	receipt	NOUN
inlawrev-2352	241	3	stated	state	VERB
inlawrev-2352	241	4	,	,	PUNCT
inlawrev-2352	241	5	in	in	ADP
inlawrev-2352	241	6	part	part	NOUN
inlawrev-2352	241	7	:	:	PUNCT
inlawrev-2352	241	8	*	*	PUNCT
inlawrev-2352	241	9	trovided	trovide	VERB
inlawrev-2352	241	10	the	the	DET
inlawrev-2352	241	11	insured	insure	VERB
inlawrev-2352	241	12	be	be	AUX
inlawrev-2352	241	13	in	in	ADP
inlawrev-2352	241	14	sound	sound	ADJ
inlawrev-2352	241	15	health	health	NOUN
inlawrev-2352	241	16	...	...	PUNCT
inlawrev-2352	241	17	on	on	ADP
inlawrev-2352	241	18	the	the	DET
inlawrev-2352	241	19	date	date	NOUN
inlawrev-2352	241	20	of	of	ADP
inlawrev-2352	241	21	said	say	VERB
inlawrev-2352	241	22	application	application	NOUN
inlawrev-2352	241	23	,	,	PUNCT
inlawrev-2352	241	24	the	the	DET
inlawrev-2352	241	25	company	company	NOUN
inlawrev-2352	241	26	's	's	PART
inlawrev-2352	241	27	liability	liability	NOUN
inlawrev-2352	241	28	under	under	ADP
inlawrev-2352	241	29	such	such	ADJ
inlawrev-2352	241	30	policy	policy	NOUN
inlawrev-2352	241	31	,	,	PUNCT
inlawrev-2352	241	32	if	if	SCONJ
inlawrev-2352	241	33	and	and	CCONJ
inlawrev-2352	241	34	as	as	SCONJ
inlawrev-2352	241	35	issued	issue	VERB
inlawrev-2352	241	36	,	,	PUNCT
inlawrev-2352	241	37	shall	shall	AUX
inlawrev-2352	241	38	commence	commence	VERB
inlawrev-2352	241	39	as	as	ADP
inlawrev-2352	241	40	of	of	ADP
inlawrev-2352	241	41	the	the	DET
inlawrev-2352	241	42	date	date	NOUN
inlawrev-2352	241	43	of	of	ADP
inlawrev-2352	241	44	said	say	VERB
inlawrev-2352	241	45	application	application	NOUN
inlawrev-2352	241	46	.	.	PUNCT
inlawrev-2352	242	1	"	"	PUNCT
inlawrev-2352	242	2	"	"	PUNCT
inlawrev-2352	242	3	the	the	DET
inlawrev-2352	242	4	applicant	applicant	NOUN
inlawrev-2352	242	5	could	could	AUX
inlawrev-2352	242	6	not	not	PART
inlawrev-2352	242	7	read	read	VERB
inlawrev-2352	242	8	,	,	PUNCT
inlawrev-2352	242	9	but	but	CCONJ
inlawrev-2352	242	10	the	the	DET
inlawrev-2352	242	11	soliciting	solicit	VERB
inlawrev-2352	242	12	agent	agent	NOUN
inlawrev-2352	242	13	told	tell	VERB
inlawrev-2352	242	14	the	the	DET
inlawrev-2352	242	15	applicant	applicant	NOUN
inlawrev-2352	242	16	that	that	SCONJ
inlawrev-2352	242	17	if	if	SCONJ
inlawrev-2352	242	18	he	he	PRON
inlawrev-2352	242	19	got	get	VERB
inlawrev-2352	242	20	a	a	DET
inlawrev-2352	242	21	limb	limb	NOUN
inlawrev-2352	242	22	cut	cut	VERB
inlawrev-2352	242	23	off	off	ADP
inlawrev-2352	242	24	or	or	CCONJ
inlawrev-2352	242	25	an	an	DET
inlawrev-2352	242	26	eye	eye	NOUN
inlawrev-2352	242	27	put	put	VERB
inlawrev-2352	242	28	out	out	ADP
inlawrev-2352	242	29	he	he	PRON
inlawrev-2352	242	30	would	would	AUX
inlawrev-2352	242	31	be	be	AUX
inlawrev-2352	242	32	paid	pay	VERB
inlawrev-2352	242	33	one	one	NUM
inlawrev-2352	242	34	-	-	PUNCT
inlawrev-2352	242	35	half	half	NOUN
inlawrev-2352	242	36	the	the	DET
inlawrev-2352	242	37	amount	amount	NOUN
inlawrev-2352	242	38	in	in	ADP
inlawrev-2352	242	39	money	money	NOUN
inlawrev-2352	242	40	and	and	CCONJ
inlawrev-2352	242	41	be	be	AUX
inlawrev-2352	242	42	given	give	VERB
inlawrev-2352	242	43	a	a	DET
inlawrev-2352	242	44	paid	pay	VERB
inlawrev-2352	242	45	-	-	PUNCT
inlawrev-2352	242	46	up	up	ADP
inlawrev-2352	242	47	policy	policy	NOUN
inlawrev-2352	242	48	for	for	ADP
inlawrev-2352	242	49	life	life	NOUN
inlawrev-2352	242	50	;	;	PUNCT
inlawrev-2352	242	51	that	that	SCONJ
inlawrev-2352	242	52	the	the	DET
inlawrev-2352	242	53	receipt	receipt	NOUN
inlawrev-2352	242	54	was	be	AUX
inlawrev-2352	242	55	just	just	ADV
inlawrev-2352	242	56	as	as	ADV
inlawrev-2352	242	57	good	good	ADJ
inlawrev-2352	242	58	as	as	ADP
inlawrev-2352	242	59	the	the	DET
inlawrev-2352	242	60	policy	policy	NOUN
inlawrev-2352	242	61	;	;	PUNCT
inlawrev-2352	242	62	and	and	CCONJ
inlawrev-2352	242	63	that	that	SCONJ
inlawrev-2352	242	64	the	the	DET
inlawrev-2352	242	65	insurance	insurance	NOUN
inlawrev-2352	242	66	was	be	AUX
inlawrev-2352	242	67	in	in	ADP
inlawrev-2352	242	68	effect	effect	NOUN
inlawrev-2352	242	69	from	from	ADP
inlawrev-2352	242	70	the	the	DET
inlawrev-2352	242	71	date	date	NOUN
inlawrev-2352	242	72	of	of	ADP
inlawrev-2352	242	73	the	the	DET
inlawrev-2352	242	74	receipt.	receipt.	ADJ
inlawrev-2352	242	75	®	®	NOUN
inlawrev-2352	242	76	^	^	PUNCT
inlawrev-2352	242	77	the	the	DET
inlawrev-2352	242	78	applicant	applicant	NOUN
inlawrev-2352	242	79	suffered	suffer	VERB
inlawrev-2352	242	80	the	the	DET
inlawrev-2352	242	81	loss	loss	NOUN
inlawrev-2352	242	82	of	of	ADP
inlawrev-2352	242	83	his	his	PRON
inlawrev-2352	242	84	left	left	ADJ
inlawrev-2352	242	85	hand	hand	NOUN
inlawrev-2352	242	86	and	and	CCONJ
inlawrev-2352	242	87	sued	sue	VERB
inlawrev-2352	242	88	on	on	ADP
inlawrev-2352	242	89	the	the	DET
inlawrev-2352	242	90	contract	contract	NOUN
inlawrev-2352	242	91	of	of	ADP
inlawrev-2352	242	92	insurance	insurance	NOUN
inlawrev-2352	242	93	.	.	PUNCT
inlawrev-2352	243	1	the	the	DET
inlawrev-2352	243	2	quoted	quote	VERB
inlawrev-2352	243	3	receipt	receipt	NOUN
inlawrev-2352	243	4	in	in	ADP
inlawrev-2352	243	5	vale	vale	NOUN
inlawrev-2352	243	6	did	do	AUX
inlawrev-2352	243	7	not	not	PART
inlawrev-2352	243	8	expressly	expressly	ADV
inlawrev-2352	243	9	provide	provide	VERB
inlawrev-2352	243	10	for	for	ADP
inlawrev-2352	243	11	coverage	coverage	NOUN
inlawrev-2352	243	12	based	base	VERB
inlawrev-2352	243	13	on	on	ADP
inlawrev-2352	243	14	insurability	insurability	NOUN
inlawrev-2352	243	15	.	.	PUNCT
inlawrev-2352	244	1	coverage	coverage	NOUN
inlawrev-2352	244	2	was	be	AUX
inlawrev-2352	244	3	predicated	predicate	VERB
inlawrev-2352	244	4	instead	instead	ADV
inlawrev-2352	244	5	upon	upon	SCONJ
inlawrev-2352	244	6	the	the	DET
inlawrev-2352	244	7	phrase	phrase	NOUN
inlawrev-2352	244	8	"	"	PUNCT
inlawrev-2352	244	9	if	if	SCONJ
inlawrev-2352	244	10	and	and	CCONJ
inlawrev-2352	244	11	as	as	SCONJ
inlawrev-2352	244	12	issued	issue	VERB
inlawrev-2352	244	13	.	.	PUNCT
inlawrev-2352	245	1	"	"	PUNCT
inlawrev-2352	245	2	®	®	NOUN
inlawrev-2352	245	3	^	^	PUNCT
inlawrev-2352	245	4	this	this	DET
inlawrev-2352	245	5	language	language	NOUN
inlawrev-2352	245	6	apparently	apparently	ADV
inlawrev-2352	245	7	meant	mean	VERB
inlawrev-2352	245	8	that	that	SCONJ
inlawrev-2352	245	9	if	if	SCONJ
inlawrev-2352	245	10	the	the	DET
inlawrev-2352	245	11	terms	term	NOUN
inlawrev-2352	245	12	of	of	ADP
inlawrev-2352	245	13	the	the	DET
inlawrev-2352	245	14	receipt	receipt	NOUN
inlawrev-2352	245	15	were	be	AUX
inlawrev-2352	245	16	upheld	uphold	VERB
inlawrev-2352	245	17	,	,	PUNCT
inlawrev-2352	245	18	the	the	DET
inlawrev-2352	245	19	company	company	NOUN
inlawrev-2352	245	20	could	could	AUX
inlawrev-2352	245	21	refuse	refuse	VERB
inlawrev-2352	245	22	coverage	coverage	NOUN
inlawrev-2352	245	23	by	by	ADP
inlawrev-2352	245	24	merely	merely	ADV
inlawrev-2352	245	25	refusing	refuse	VERB
inlawrev-2352	245	26	to	to	PART
inlawrev-2352	245	27	issue	issue	VERB
inlawrev-2352	245	28	the	the	DET
inlawrev-2352	245	29	policy	policy	NOUN
inlawrev-2352	245	30	.	.	PUNCT
inlawrev-2352	246	1	indeed	indeed	ADV
inlawrev-2352	246	2	,	,	PUNCT
inlawrev-2352	246	3	the	the	DET
inlawrev-2352	246	4	company	company	NOUN
inlawrev-2352	246	5	's	's	PART
inlawrev-2352	246	6	witness	witness	NOUN
inlawrev-2352	246	7	testified	testify	VERB
inlawrev-2352	246	8	that	that	SCONJ
inlawrev-2352	246	9	the	the	DET
inlawrev-2352	246	10	applicant	applicant	NOUN
inlawrev-2352	246	11	was	be	AUX
inlawrev-2352	246	12	physically	physically	ADV
inlawrev-2352	246	13	a	a	DET
inlawrev-2352	246	14	satisfactory	satisfactory	ADJ
inlawrev-2352	246	15	risk	risk	NOUN
inlawrev-2352	246	16	and	and	CCONJ
inlawrev-2352	246	17	that	that	PRON
inlawrev-2352	246	18	issuance	issuance	NOUN
inlawrev-2352	246	19	of	of	ADP
inlawrev-2352	246	20	the	the	DET
inlawrev-2352	246	21	policy	policy	NOUN
inlawrev-2352	246	22	had	have	AUX
inlawrev-2352	246	23	been	be	AUX
inlawrev-2352	246	24	delayed	delay	VERB
inlawrev-2352	246	25	because	because	SCONJ
inlawrev-2352	246	26	of	of	ADP
inlawrev-2352	246	27	doubt	doubt	NOUN
inlawrev-2352	246	28	that	that	SCONJ
inlawrev-2352	246	29	the	the	DET
inlawrev-2352	246	30	applicant	applicant	NOUN
inlawrev-2352	246	31	could	could	AUX
inlawrev-2352	246	32	afford	afford	VERB
inlawrev-2352	246	33	the	the	DET
inlawrev-2352	246	34	premium	premium	NOUN
inlawrev-2352	246	35	.	.	PUNCT
inlawrev-2352	247	1	the	the	DET
inlawrev-2352	247	2	court	court	NOUN
inlawrev-2352	247	3	discussed	discuss	VERB
inlawrev-2352	247	4	the	the	DET
inlawrev-2352	247	5	rule	rule	NOUN
inlawrev-2352	247	6	in	in	ADP
inlawrev-2352	247	7	some	some	DET
inlawrev-2352	247	8	jurisdictions	jurisdiction	NOUN
inlawrev-2352	247	9	that	that	PRON
inlawrev-2352	247	10	no	no	DET
inlawrev-2352	247	11	insurance	insurance	NOUN
inlawrev-2352	247	12	was	be	AUX
inlawrev-2352	247	13	effective	effective	ADJ
inlawrev-2352	247	14	until	until	ADP
inlawrev-2352	247	15	actual	actual	ADJ
inlawrev-2352	247	16	approval	approval	NOUN
inlawrev-2352	247	17	by	by	ADP
inlawrev-2352	247	18	the	the	DET
inlawrev-2352	247	19	company	company	NOUN
inlawrev-2352	247	20	,	,	PUNCT
inlawrev-2352	247	21	®	®	NOUN
inlawrev-2352	247	22	*	*	PUNCT
inlawrev-2352	247	23	as	as	ADV
inlawrev-2352	247	24	well	well	ADV
inlawrev-2352	247	25	as	as	ADP
inlawrev-2352	247	26	decisions	decision	NOUN
inlawrev-2352	247	27	in	in	ADP
inlawrev-2352	247	28	other	other	ADJ
inlawrev-2352	247	29	jurisdictions	jurisdiction	NOUN
inlawrev-2352	247	30	that	that	PRON
inlawrev-2352	247	31	recognized	recognize	VERB
inlawrev-2352	247	32	the	the	DET
inlawrev-2352	247	33	unfairness	unfairness	NOUN
inlawrev-2352	247	34	of	of	ADP
inlawrev-2352	247	35	allowing	allow	VERB
inlawrev-2352	247	36	companies	company	NOUN
inlawrev-2352	247	37	to	to	PART
inlawrev-2352	247	38	deny	deny	VERB
inlawrev-2352	247	39	liability	liability	NOUN
inlawrev-2352	247	40	through	through	ADP
inlawrev-2352	247	41	the	the	DET
inlawrev-2352	247	42	use	use	NOUN
inlawrev-2352	247	43	of	of	ADP
inlawrev-2352	247	44	approval	approval	NOUN
inlawrev-2352	247	45	receipts.	receipts.	PROPN
inlawrev-2352	247	46	®	®	PROPN
inlawrev-2352	247	47	^	^	PUNCT
inlawrev-2352	247	48	in	in	ADP
inlawrev-2352	247	49	^«339	^«339	ADP
inlawrev-2352	247	50	n.e.2d	n.e.2d	NOUN
inlawrev-2352	247	51	at	at	ADP
inlawrev-2352	247	52	601	601	NUM
inlawrev-2352	247	53	-	-	SYM
inlawrev-2352	247	54	02	02	NUM
inlawrev-2352	247	55	.	.	PUNCT
inlawrev-2352	248	1	"	"	PUNCT
inlawrev-2352	248	2	"	"	PUNCT
inlawrev-2352	248	3	213	213	NUM
inlawrev-2352	248	4	in(i	in(i	NOUN
inlawrev-2352	248	5	.	.	PUNCT
inlawrev-2352	249	1	601	601	NUM
inlawrev-2352	249	2	,	,	PUNCT
inlawrev-2352	249	3	12	12	NUM
inlawrev-2352	249	4	n.e.2d	n.e.2d	NOUN
inlawrev-2352	249	5	350	350	NUM
inlawrev-2352	249	6	(	(	PUNCT
inlawrev-2352	249	7	1938	1938	NUM
inlawrev-2352	249	8	)	)	PUNCT
inlawrev-2352	249	9	.	.	PUNCT
inlawrev-2352	250	1	the	the	DET
inlawrev-2352	250	2	court	court	NOUN
inlawrev-2352	250	3	noted	note	VERB
inlawrev-2352	250	4	that	that	SCONJ
inlawrev-2352	250	5	neither	neither	CCONJ
inlawrev-2352	250	6	vale	vale	ADJ
inlawrev-2352	250	7	nor	nor	CCONJ
inlawrev-2352	250	8	any	any	DET
inlawrev-2352	250	9	other	other	ADJ
inlawrev-2352	250	10	indiana	indiana	PROPN
inlawrev-2352	250	11	case	case	NOUN
inlawrev-2352	250	12	was	be	AUX
inlawrev-2352	250	13	directly	directly	ADV
inlawrev-2352	250	14	on	on	ADP
inlawrev-2352	250	15	point	point	NOUN
inlawrev-2352	250	16	.	.	PUNCT
inlawrev-2352	251	1	339	339	NUM
inlawrev-2352	251	2	n.e.2d	n.e.2d	NOUN
inlawrev-2352	251	3	at	at	ADP
inlawrev-2352	251	4	602	602	NUM
inlawrev-2352	251	5	.	.	PUNCT
inlawrev-2352	252	1	«	«	PUNCT
inlawrev-2352	252	2	^213	^213	X
inlawrev-2352	252	3	ind	ind	NOUN
inlawrev-2352	252	4	.	.	PUNCT
inlawrev-2352	253	1	at	at	ADP
inlawrev-2352	253	2	605	605	NUM
inlawrev-2352	253	3	,	,	PUNCT
inlawrev-2352	253	4	12	12	NUM
inlawrev-2352	253	5	n.e.2d	n.e.2d	NOUN
inlawrev-2352	253	6	at	at	ADP
inlawrev-2352	253	7	352	352	NUM
inlawrev-2352	253	8	(	(	PUNCT
inlawrev-2352	253	9	emphasis	emphasis	NOUN
inlawrev-2352	253	10	added	add	VERB
inlawrev-2352	253	11	)	)	PUNCT
inlawrev-2352	253	12	.	.	PUNCT
inlawrev-2352	254	1	'	'	PUNCT
inlawrev-2352	254	2	^id	^id	PROPN
inlawrev-2352	254	3	.	.	PUNCT
inlawrev-2352	255	1	at	at	ADP
inlawrev-2352	255	2	607	607	NUM
inlawrev-2352	255	3	,	,	PUNCT
inlawrev-2352	255	4	12	12	NUM
inlawrev-2352	255	5	n.e.2d	n.e.2d	NOUN
inlawrev-2352	255	6	at	at	ADP
inlawrev-2352	255	7	352	352	NUM
inlawrev-2352	255	8	.	.	PUNCT
inlawrev-2352	255	9	'	'	PUNCT
inlawrev-2352	255	10	hd	hd	VERB
inlawrev-2352	255	11	.	.	PUNCT
inlawrev-2352	256	1	at	at	ADP
inlawrev-2352	256	2	605	605	NUM
inlawrev-2352	256	3	,	,	PUNCT
inlawrev-2352	256	4	12	12	NUM
inlawrev-2352	256	5	n.e.2d	n.e.2d	NOUN
inlawrev-2352	256	6	at	at	ADP
inlawrev-2352	256	7	352	352	NUM
inlawrev-2352	256	8	.	.	PUNCT
inlawrev-2352	257	1	"	"	PUNCT
inlawrev-2352	257	2	/d	/d	PUNCT
inlawrev-2352	257	3	at	at	ADP
inlawrev-2352	257	4	608	608	NUM
inlawrev-2352	257	5	-	-	SYM
inlawrev-2352	257	6	09	09	NUM
inlawrev-2352	257	7	,	,	PUNCT
inlawrev-2352	257	8	12	12	NUM
inlawrev-2352	257	9	n.e.2d	n.e.2d	NOUN
inlawrev-2352	257	10	at	at	ADP
inlawrev-2352	257	11	353	353	NUM
inlawrev-2352	257	12	.	.	PUNCT
inlawrev-2352	258	1	•^m	•^m	PRON
inlawrev-2352	258	2	at	at	ADP
inlawrev-2352	258	3	609	609	NUM
inlawrev-2352	258	4	-	-	SYM
inlawrev-2352	258	5	10	10	NUM
inlawrev-2352	258	6	,	,	PUNCT
inlawrev-2352	258	7	12	12	NUM
inlawrev-2352	258	8	n.e.2d	n.e.2d	NOUN
inlawrev-2352	258	9	at	at	ADP
inlawrev-2352	258	10	353	353	NUM
inlawrev-2352	258	11	-	-	SYM
inlawrev-2352	258	12	54	54	NUM
inlawrev-2352	258	13	.	.	PUNCT
inlawrev-2352	259	1	790	790	NUM
inlawrev-2352	259	2	indiana	indiana	NOUN
inlawrev-2352	259	3	law	law	NOUN
inlawrev-2352	259	4	review	review	NOUN
inlawrev-2352	259	5	[	[	X
inlawrev-2352	259	6	vol	vol	NOUN
inlawrev-2352	259	7	.	.	PUNCT
inlawrev-2352	260	1	12:777	12:777	NUM
inlawrev-2352	260	2	support	support	NOUN
inlawrev-2352	260	3	of	of	ADP
inlawrev-2352	260	4	its	its	PRON
inlawrev-2352	260	5	holding	holding	NOUN
inlawrev-2352	260	6	that	that	SCONJ
inlawrev-2352	260	7	approval	approval	NOUN
inlawrev-2352	260	8	receipts	receipt	NOUN
inlawrev-2352	260	9	were	be	AUX
inlawrev-2352	260	10	unfair	unfair	ADJ
inlawrev-2352	260	11	when	when	SCONJ
inlawrev-2352	260	12	applied	apply	VERB
inlawrev-2352	260	13	to	to	ADP
inlawrev-2352	260	14	the	the	DET
inlawrev-2352	260	15	situation	situation	NOUN
inlawrev-2352	260	16	in	in	ADP
inlawrev-2352	260	17	vale	vale	NOUN
inlawrev-2352	260	18	,	,	PUNCT
inlawrev-2352	260	19	the	the	DET
inlawrev-2352	260	20	court	court	NOUN
inlawrev-2352	260	21	stated	state	VERB
inlawrev-2352	260	22	:	:	PUNCT
inlawrev-2352	260	23	it	it	PRON
inlawrev-2352	260	24	is	be	AUX
inlawrev-2352	260	25	inconceivable	inconceivable	ADJ
inlawrev-2352	260	26	,	,	PUNCT
inlawrev-2352	260	27	in	in	ADP
inlawrev-2352	260	28	the	the	DET
inlawrev-2352	260	29	face	face	NOUN
inlawrev-2352	260	30	of	of	ADP
inlawrev-2352	260	31	all	all	DET
inlawrev-2352	260	32	the	the	DET
inlawrev-2352	260	33	circumstances	circumstance	NOUN
inlawrev-2352	260	34	,	,	PUNCT
inlawrev-2352	260	35	that	that	SCONJ
inlawrev-2352	260	36	appellee	appellee	PROPN
inlawrev-2352	260	37	could	could	AUX
inlawrev-2352	260	38	have	have	AUX
inlawrev-2352	260	39	understood	understand	VERB
inlawrev-2352	260	40	and	and	CCONJ
inlawrev-2352	260	41	believed	believe	VERB
inlawrev-2352	260	42	that	that	SCONJ
inlawrev-2352	260	43	under	under	ADP
inlawrev-2352	260	44	no	no	DET
inlawrev-2352	260	45	circumstances	circumstance	NOUN
inlawrev-2352	260	46	was	be	AUX
inlawrev-2352	260	47	he	he	PRON
inlawrev-2352	260	48	insured	insure	VERB
inlawrev-2352	260	49	until	until	ADP
inlawrev-2352	260	50	after	after	ADP
inlawrev-2352	260	51	the	the	DET
inlawrev-2352	260	52	acceptance	acceptance	NOUN
inlawrev-2352	260	53	of	of	ADP
inlawrev-2352	260	54	the	the	DET
inlawrev-2352	260	55	application	application	NOUN
inlawrev-2352	260	56	.	.	PUNCT
inlawrev-2352	261	1	the	the	DET
inlawrev-2352	261	2	contract	contract	NOUN
inlawrev-2352	261	3	to	to	PART
inlawrev-2352	261	4	insure	insure	VERB
inlawrev-2352	261	5	for	for	ADP
inlawrev-2352	261	6	the	the	DET
inlawrev-2352	261	7	period	period	NOUN
inlawrev-2352	261	8	before	before	ADP
inlawrev-2352	261	9	acceptance	acceptance	NOUN
inlawrev-2352	261	10	of	of	ADP
inlawrev-2352	261	11	the	the	DET
inlawrev-2352	261	12	application	application	NOUN
inlawrev-2352	261	13	may	may	AUX
inlawrev-2352	261	14	have	have	AUX
inlawrev-2352	261	15	been	be	AUX
inlawrev-2352	261	16	qualified	qualified	ADJ
inlawrev-2352	261	17	or	or	CCONJ
inlawrev-2352	261	18	conditioned	condition	VERB
inlawrev-2352	261	19	,	,	PUNCT
inlawrev-2352	261	20	but	but	CCONJ
inlawrev-2352	261	21	the	the	DET
inlawrev-2352	261	22	company	company	NOUN
inlawrev-2352	261	23	can	can	AUX
inlawrev-2352	261	24	not	not	PART
inlawrev-2352	261	25	be	be	AUX
inlawrev-2352	261	26	permitted	permit	VERB
inlawrev-2352	261	27	to	to	PART
inlawrev-2352	261	28	say	say	VERB
inlawrev-2352	261	29	that	that	SCONJ
inlawrev-2352	261	30	under	under	ADP
inlawrev-2352	261	31	no	no	DET
inlawrev-2352	261	32	conditions	condition	NOUN
inlawrev-2352	261	33	or	or	CCONJ
inlawrev-2352	261	34	circumstances	circumstance	NOUN
inlawrev-2352	261	35	was	be	AUX
inlawrev-2352	261	36	it	it	PRON
inlawrev-2352	261	37	liable	liable	ADJ
inlawrev-2352	261	38	....	....	PUNCT
inlawrev-2352	262	1	it	it	PRON
inlawrev-2352	262	2	must	must	AUX
inlawrev-2352	262	3	be	be	AUX
inlawrev-2352	262	4	concluded	conclude	VERB
inlawrev-2352	262	5	that	that	SCONJ
inlawrev-2352	262	6	the	the	DET
inlawrev-2352	262	7	applicant	applicant	NOUN
inlawrev-2352	262	8	understood	understand	VERB
inlawrev-2352	262	9	the	the	DET
inlawrev-2352	262	10	contract	contract	NOUN
inlawrev-2352	262	11	to	to	PART
inlawrev-2352	262	12	mean	mean	VERB
inlawrev-2352	262	13	that	that	SCONJ
inlawrev-2352	262	14	he	he	PRON
inlawrev-2352	262	15	was	be	AUX
inlawrev-2352	262	16	insured	insure	VERB
inlawrev-2352	262	17	if	if	SCONJ
inlawrev-2352	262	18	his	his	PRON
inlawrev-2352	262	19	representations	representation	NOUN
inlawrev-2352	262	20	were	be	AUX
inlawrev-2352	262	21	true	true	ADJ
inlawrev-2352	262	22	....	....	PUNCT
inlawrev-2352	263	1	since	since	SCONJ
inlawrev-2352	263	2	no	no	DET
inlawrev-2352	263	3	other	other	ADJ
inlawrev-2352	263	4	reasonable	reasonable	ADJ
inlawrev-2352	263	5	construction	construction	NOUN
inlawrev-2352	263	6	is	be	AUX
inlawrev-2352	263	7	suggested	suggest	VERB
inlawrev-2352	263	8	,	,	PUNCT
inlawrev-2352	263	9	the	the	DET
inlawrev-2352	263	10	agreement	agreement	NOUN
inlawrev-2352	263	11	must	must	AUX
inlawrev-2352	263	12	be	be	AUX
inlawrev-2352	263	13	construed	construe	VERB
inlawrev-2352	263	14	as	as	ADP
inlawrev-2352	263	15	intending	intend	VERB
inlawrev-2352	263	16	that	that	SCONJ
inlawrev-2352	263	17	he	he	PRON
inlawrev-2352	263	18	be	be	AUX
inlawrev-2352	263	19	insured	insure	VERB
inlawrev-2352	263	20	for	for	ADP
inlawrev-2352	263	21	the	the	DET
inlawrev-2352	263	22	period	period	NOUN
inlawrev-2352	263	23	,	,	PUNCT
inlawrev-2352	263	24	if	if	SCONJ
inlawrev-2352	263	25	reasonably	reasonably	ADV
inlawrev-2352	263	26	insurable.66	insurable.66	VERB
inlawrev-2352	263	27	thus	thus	ADV
inlawrev-2352	263	28	the	the	DET
inlawrev-2352	263	29	court	court	NOUN
inlawrev-2352	263	30	recognized	recognize	VERB
inlawrev-2352	263	31	that	that	SCONJ
inlawrev-2352	263	32	a	a	DET
inlawrev-2352	263	33	receipt	receipt	NOUN
inlawrev-2352	263	34	could	could	AUX
inlawrev-2352	263	35	grant	grant	VERB
inlawrev-2352	263	36	immediate	immediate	ADJ
inlawrev-2352	263	37	coverage	coverage	NOUN
inlawrev-2352	263	38	,	,	PUNCT
inlawrev-2352	263	39	conditioned	condition	VERB
inlawrev-2352	263	40	on	on	ADP
inlawrev-2352	263	41	the	the	DET
inlawrev-2352	263	42	insurability	insurability	NOUN
inlawrev-2352	263	43	of	of	ADP
inlawrev-2352	263	44	the	the	DET
inlawrev-2352	263	45	applicant	applicant	NOUN
inlawrev-2352	263	46	.	.	PUNCT
inlawrev-2352	264	1	the	the	DET
inlawrev-2352	264	2	vale	vale	ADJ
inlawrev-2352	264	3	court	court	NOUN
inlawrev-2352	264	4	also	also	ADV
inlawrev-2352	264	5	found	find	VERB
inlawrev-2352	264	6	that	that	SCONJ
inlawrev-2352	264	7	the	the	DET
inlawrev-2352	264	8	applicant	applicant	NOUN
inlawrev-2352	264	9	,	,	PUNCT
inlawrev-2352	264	10	although	although	SCONJ
inlawrev-2352	264	11	illiterate	illiterate	ADJ
inlawrev-2352	264	12	,	,	PUNCT
inlawrev-2352	264	13	understood	understand	VERB
inlawrev-2352	264	14	that	that	SCONJ
inlawrev-2352	264	15	coverage	coverage	NOUN
inlawrev-2352	264	16	prior	prior	ADV
inlawrev-2352	264	17	to	to	ADP
inlawrev-2352	264	18	approval	approval	NOUN
inlawrev-2352	264	19	of	of	ADP
inlawrev-2352	264	20	the	the	DET
inlawrev-2352	264	21	application	application	NOUN
inlawrev-2352	264	22	was	be	AUX
inlawrev-2352	264	23	conditioned	condition	VERB
inlawrev-2352	264	24	upon	upon	SCONJ
inlawrev-2352	264	25	insurability	insurability	NOUN
inlawrev-2352	264	26	:	:	PUNCT
inlawrev-2352	264	27	"	"	PUNCT
inlawrev-2352	264	28	[	[	X
inlawrev-2352	264	29	t]he	t]he	ADJ
inlawrev-2352	264	30	company	company	NOUN
inlawrev-2352	264	31	has	have	AUX
inlawrev-2352	264	32	represented	represent	VERB
inlawrev-2352	264	33	to	to	ADP
inlawrev-2352	264	34	the	the	DET
inlawrev-2352	264	35	applicant	applicant	NOUN
inlawrev-2352	264	36	that	that	SCONJ
inlawrev-2352	264	37	it	it	PRON
inlawrev-2352	264	38	has	have	AUX
inlawrev-2352	264	39	become	become	VERB
inlawrev-2352	264	40	conditionally	conditionally	ADV
inlawrev-2352	264	41	liable	liable	ADJ
inlawrev-2352	264	42	.	.	PUNCT
inlawrev-2352	264	43	.	.	PUNCT
inlawrev-2352	264	44	.	.	PUNCT
inlawrev-2352	265	1	[	[	X
inlawrev-2352	265	2	and	and	CCONJ
inlawrev-2352	265	3	]	]	PUNCT
inlawrev-2352	265	4	the	the	DET
inlawrev-2352	265	5	ordinary	ordinary	ADJ
inlawrev-2352	265	6	applicant	applicant	NOUN
inlawrev-2352	265	7	.	.	PUNCT
inlawrev-2352	265	8	.	.	PUNCT
inlawrev-2352	265	9	.	.	PUNCT
inlawrev-2352	266	1	would	would	AUX
inlawrev-2352	266	2	be	be	AUX
inlawrev-2352	266	3	led	lead	VERB
inlawrev-2352	266	4	to	to	PART
inlawrev-2352	266	5	believe	believe	VERB
inlawrev-2352	266	6	that	that	SCONJ
inlawrev-2352	266	7	he	he	PRON
inlawrev-2352	266	8	is	be	AUX
inlawrev-2352	266	9	conditionally	conditionally	ADV
inlawrev-2352	266	10	insured	insure	VERB
inlawrev-2352	266	11	.	.	PUNCT
inlawrev-2352	267	1	""^	""^	PRON
inlawrev-2352	267	2	it	it	PRON
inlawrev-2352	267	3	seems	seem	VERB
inlawrev-2352	267	4	reasonable	reasonable	ADJ
inlawrev-2352	267	5	to	to	PART
inlawrev-2352	267	6	assume	assume	VERB
inlawrev-2352	267	7	that	that	SCONJ
inlawrev-2352	267	8	a	a	DET
inlawrev-2352	267	9	literate	literate	ADJ
inlawrev-2352	267	10	applicant	applicant	NOUN
inlawrev-2352	267	11	could	could	AUX
inlawrev-2352	267	12	also	also	ADV
inlawrev-2352	267	13	understand	understand	VERB
inlawrev-2352	267	14	the	the	DET
inlawrev-2352	267	15	terms	term	NOUN
inlawrev-2352	267	16	of	of	ADP
inlawrev-2352	267	17	a	a	DET
inlawrev-2352	267	18	clearly	clearly	ADV
inlawrev-2352	267	19	worded	word	VERB
inlawrev-2352	267	20	and	and	CCONJ
inlawrev-2352	267	21	unambiguous	unambiguous	ADJ
inlawrev-2352	267	22	receipt	receipt	NOUN
inlawrev-2352	267	23	.	.	PUNCT
inlawrev-2352	268	1	when	when	SCONJ
inlawrev-2352	268	2	the	the	DET
inlawrev-2352	268	3	kaiser	kaiser	PROPN
inlawrev-2352	268	4	court	court	PROPN
inlawrev-2352	268	5	discussed	discuss	VERB
inlawrev-2352	268	6	the	the	DET
inlawrev-2352	268	7	vale	vale	ADJ
inlawrev-2352	268	8	decision	decision	NOUN
inlawrev-2352	268	9	,	,	PUNCT
inlawrev-2352	268	10	it	it	PRON
inlawrev-2352	268	11	did	do	AUX
inlawrev-2352	268	12	not	not	PART
inlawrev-2352	268	13	use	use	VERB
inlawrev-2352	268	14	the	the	DET
inlawrev-2352	268	15	material	material	NOUN
inlawrev-2352	268	16	quoted	quote	VERB
inlawrev-2352	268	17	above	above	ADV
inlawrev-2352	268	18	.	.	PUNCT
inlawrev-2352	269	1	instead	instead	ADV
inlawrev-2352	269	2	,	,	PUNCT
inlawrev-2352	269	3	it	it	PRON
inlawrev-2352	269	4	quoted	quote	VERB
inlawrev-2352	269	5	language	language	NOUN
inlawrev-2352	269	6	discussing	discuss	VERB
inlawrev-2352	269	7	the	the	DET
inlawrev-2352	269	8	unconscionability	unconscionability	NOUN
inlawrev-2352	269	9	of	of	ADP
inlawrev-2352	269	10	allowing	allow	VERB
inlawrev-2352	269	11	a	a	DET
inlawrev-2352	269	12	company	company	NOUN
inlawrev-2352	269	13	to	to	PART
inlawrev-2352	269	14	say	say	VERB
inlawrev-2352	269	15	that	that	SCONJ
inlawrev-2352	269	16	it	it	PRON
inlawrev-2352	269	17	was	be	AUX
inlawrev-2352	269	18	not	not	PART
inlawrev-2352	269	19	bound	bind	VERB
inlawrev-2352	269	20	"	"	PUNCT
inlawrev-2352	269	21	to	to	PART
inlawrev-2352	269	22	give	give	VERB
inlawrev-2352	269	23	anything	anything	PRON
inlawrev-2352	269	24	whatever	whatever	NOUN
inlawrev-2352	269	25	.	.	PUNCT
inlawrev-2352	269	26	"	"	PUNCT
inlawrev-2352	269	27	*	*	PUNCT
inlawrev-2352	269	28	®	®	NOUN
inlawrev-2352	269	29	the	the	DET
inlawrev-2352	269	30	kaiser	kaiser	PROPN
inlawrev-2352	269	31	court	court	PROPN
inlawrev-2352	269	32	failed	fail	VERB
inlawrev-2352	269	33	to	to	PART
inlawrev-2352	269	34	understand	understand	VERB
inlawrev-2352	269	35	the	the	DET
inlawrev-2352	269	36	difference	difference	NOUN
inlawrev-2352	269	37	between	between	ADP
inlawrev-2352	269	38	a	a	DET
inlawrev-2352	269	39	company	company	NOUN
inlawrev-2352	269	40	giving	give	VERB
inlawrev-2352	269	41	a	a	DET
inlawrev-2352	269	42	conditional	conditional	ADJ
inlawrev-2352	269	43	acceptance	acceptance	NOUN
inlawrev-2352	269	44	and	and	CCONJ
inlawrev-2352	269	45	giving	give	VERB
inlawrev-2352	269	46	nothing	nothing	PRON
inlawrev-2352	269	47	.	.	PUNCT
inlawrev-2352	270	1	according	accord	VERB
inlawrev-2352	270	2	to	to	ADP
inlawrev-2352	270	3	kaiser	kaiser	PROPN
inlawrev-2352	270	4	,	,	PUNCT
inlawrev-2352	270	5	the	the	DET
inlawrev-2352	270	6	vale	vale	ADJ
inlawrev-2352	270	7	court	court	NOUN
inlawrev-2352	270	8	had	have	AUX
inlawrev-2352	270	9	refused	refuse	VERB
inlawrev-2352	270	10	"	"	PUNCT
inlawrev-2352	270	11	to	to	PART
inlawrev-2352	270	12	permit	permit	VERB
inlawrev-2352	270	13	the	the	DET
inlawrev-2352	270	14	insurer	insurer	NOUN
inlawrev-2352	270	15	to	to	PART
inlawrev-2352	270	16	say	say	VERB
inlawrev-2352	270	17	that	that	SCONJ
inlawrev-2352	270	18	it	it	PRON
inlawrev-2352	270	19	had	have	AUX
inlawrev-2352	270	20	not	not	PART
inlawrev-2352	270	21	bound	bind	VERB
inlawrev-2352	270	22	itself	itself	PRON
inlawrev-2352	270	23	,	,	PUNCT
inlawrev-2352	270	24	"	"	PUNCT
inlawrev-2352	270	25	*	*	PUNCT
inlawrev-2352	270	26	®	®	NOUN
inlawrev-2352	270	27	a	a	DET
inlawrev-2352	270	28	statement	statement	NOUN
inlawrev-2352	270	29	which	which	PRON
inlawrev-2352	270	30	may	may	AUX
inlawrev-2352	270	31	be	be	AUX
inlawrev-2352	270	32	literally	literally	ADV
inlawrev-2352	270	33	true	true	ADJ
inlawrev-2352	270	34	,	,	PUNCT
inlawrev-2352	270	35	but	but	CCONJ
inlawrev-2352	270	36	is	be	AUX
inlawrev-2352	270	37	not	not	PART
inlawrev-2352	270	38	an	an	DET
inlawrev-2352	270	39	accurate	accurate	ADJ
inlawrev-2352	270	40	summary	summary	NOUN
inlawrev-2352	270	41	of	of	ADP
inlawrev-2352	270	42	the	the	DET
inlawrev-2352	270	43	holding	holding	NOUN
inlawrev-2352	270	44	in	in	ADP
inlawrev-2352	270	45	vale	vale	NOUN
inlawrev-2352	270	46	.	.	PUNCT
inlawrev-2352	271	1	vale	vale	PROPN
inlawrev-2352	271	2	expressly	expressly	ADV
inlawrev-2352	271	3	recognized	recognize	VERB
inlawrev-2352	271	4	that	that	SCONJ
inlawrev-2352	271	5	an	an	DET
inlawrev-2352	271	6	insurance	insurance	NOUN
inlawrev-2352	271	7	company	company	NOUN
inlawrev-2352	271	8	could	could	AUX
inlawrev-2352	271	9	bind	bind	VERB
inlawrev-2352	271	10	itself	itself	PRON
inlawrev-2352	271	11	conditionally	conditionally	ADV
inlawrev-2352	271	12	,	,	PUNCT
inlawrev-2352	271	13	yet	yet	CCONJ
inlawrev-2352	271	14	the	the	DET
inlawrev-2352	271	15	kaiser	kaiser	PROPN
inlawrev-2352	271	16	court	court	PROPN
inlawrev-2352	271	17	did	do	AUX
inlawrev-2352	271	18	not	not	PART
inlawrev-2352	271	19	recognize	recognize	VERB
inlawrev-2352	271	20	that	that	SCONJ
inlawrev-2352	271	21	such	such	ADJ
inlawrev-2352	271	22	conditional	conditional	ADJ
inlawrev-2352	271	23	coverage	coverage	NOUN
inlawrev-2352	271	24	was	be	AUX
inlawrev-2352	271	25	possible	possible	ADJ
inlawrev-2352	271	26	.	.	PUNCT
inlawrev-2352	272	1	instead	instead	ADV
inlawrev-2352	272	2	,	,	PUNCT
inlawrev-2352	272	3	the	the	DET
inlawrev-2352	272	4	court	court	NOUN
inlawrev-2352	272	5	based	base	VERB
inlawrev-2352	272	6	its	its	PRON
inlawrev-2352	272	7	decision	decision	NOUN
inlawrev-2352	272	8	upon	upon	SCONJ
inlawrev-2352	272	9	the	the	DET
inlawrev-2352	272	10	lamme	lamme	NOUN
inlawrev-2352	272	11	and	and	CCONJ
inlawrev-2352	272	12	service	service	NOUN
inlawrev-2352	272	13	decisions,^	decisions,^	PROPN
inlawrev-2352	272	14	'	'	PART
inlawrev-2352	272	15	*	*	NOUN
inlawrev-2352	272	16	holding	hold	VERB
inlawrev-2352	272	17	that	that	SCONJ
inlawrev-2352	272	18	whenever	whenever	SCONJ
inlawrev-2352	272	19	a	a	DET
inlawrev-2352	272	20	conditional	conditional	ADJ
inlawrev-2352	272	21	receipt	receipt	NOUN
inlawrev-2352	272	22	is	be	AUX
inlawrev-2352	272	23	supported	support	VERB
inlawrev-2352	272	24	by	by	ADP
inlawrev-2352	272	25	consideration	consideration	NOUN
inlawrev-2352	272	26	,	,	PUNCT
inlawrev-2352	272	27	an	an	DET
inlawrev-2352	272	28	unconditional	unconditional	ADJ
inlawrev-2352	272	29	contract	contract	NOUN
inlawrev-2352	272	30	is	be	AUX
inlawrev-2352	272	31	created.^^	created.^^	PUNCT
inlawrev-2352	272	32	•"•m	•"•m	VERB
inlawrev-2352	272	33	at	at	ADP
inlawrev-2352	272	34	612	612	NUM
inlawrev-2352	272	35	-	-	SYM
inlawrev-2352	272	36	13	13	NUM
inlawrev-2352	272	37	,	,	PUNCT
inlawrev-2352	272	38	12	12	NUM
inlawrev-2352	272	39	n.e.2d	n.e.2d	NOUN
inlawrev-2352	272	40	at	at	ADP
inlawrev-2352	272	41	354	354	NUM
inlawrev-2352	272	42	-	-	SYM
inlawrev-2352	272	43	55	55	NUM
inlawrev-2352	272	44	.	.	PUNCT
inlawrev-2352	273	1	^ud	^ud	PROPN
inlawrev-2352	273	2	.	.	PUNCT
inlawrev-2352	274	1	at	at	ADP
inlawrev-2352	274	2	611	611	NUM
inlawrev-2352	274	3	,	,	PUNCT
inlawrev-2352	274	4	12	12	NUM
inlawrev-2352	274	5	n.e.2d	n.e.2d	NOUN
inlawrev-2352	274	6	at	at	ADP
inlawrev-2352	274	7	354	354	NUM
inlawrev-2352	274	8	(	(	PUNCT
inlawrev-2352	274	9	emphasis	emphasis	NOUN
inlawrev-2352	274	10	added	add	VERB
inlawrev-2352	274	11	)	)	PUNCT
inlawrev-2352	274	12	.	.	PUNCT
inlawrev-2352	275	1	•«339	•«339	PROPN
inlawrev-2352	275	2	n.e.2d	n.e.2d	NOUN
inlawrev-2352	275	3	at	at	ADP
inlawrev-2352	275	4	604	604	NUM
inlawrev-2352	275	5	.	.	PUNCT
inlawrev-2352	276	1	•»/d	•»/d	NOUN
inlawrev-2352	276	2	at	at	ADP
inlawrev-2352	276	3	602	602	NUM
inlawrev-2352	276	4	-	-	SYM
inlawrev-2352	276	5	03	03	NUM
inlawrev-2352	276	6	.	.	PUNCT
inlawrev-2352	277	1	™	™	NOUN
inlawrev-2352	277	2	/d	/d	VERB
inlawrev-2352	277	3	at	at	ADP
inlawrev-2352	277	4	604	604	NUM
inlawrev-2352	277	5	.	.	PUNCT
inlawrev-2352	278	1	1979	1979	NUM
inlawrev-2352	278	2	]	]	PUNCT
inlawrev-2352	278	3	conditional	conditional	ADJ
inlawrev-2352	278	4	receipts	receipt	NOUN
inlawrev-2352	278	5	791	791	NUM
inlawrev-2352	278	6	the	the	DET
inlawrev-2352	278	7	holding	holding	NOUN
inlawrev-2352	278	8	in	in	ADP
inlawrev-2352	278	9	kaiser	kaiser	PROPN
inlawrev-2352	278	10	is	be	AUX
inlawrev-2352	278	11	an	an	DET
inlawrev-2352	278	12	unnecessary	unnecessary	ADJ
inlawrev-2352	278	13	restriction	restriction	NOUN
inlawrev-2352	278	14	on	on	ADP
inlawrev-2352	278	15	the	the	DET
inlawrev-2352	278	16	power	power	NOUN
inlawrev-2352	278	17	of	of	ADP
inlawrev-2352	278	18	a	a	DET
inlawrev-2352	278	19	life	life	NOUN
inlawrev-2352	278	20	insurance	insurance	NOUN
inlawrev-2352	278	21	company	company	NOUN
inlawrev-2352	278	22	to	to	PART
inlawrev-2352	278	23	limit	limit	VERB
inlawrev-2352	278	24	its	its	PRON
inlawrev-2352	278	25	liability	liability	NOUN
inlawrev-2352	278	26	.	.	PUNCT
inlawrev-2352	279	1	first	first	ADV
inlawrev-2352	279	2	,	,	PUNCT
inlawrev-2352	279	3	the	the	DET
inlawrev-2352	279	4	court	court	NOUN
inlawrev-2352	279	5	in	in	ADP
inlawrev-2352	279	6	kaiser	kaiser	PROPN
inlawrev-2352	279	7	relied	rely	VERB
inlawrev-2352	279	8	upon	upon	SCONJ
inlawrev-2352	279	9	the	the	DET
inlawrev-2352	279	10	lamme	lamme	ADJ
inlawrev-2352	279	11	decision	decision	NOUN
inlawrev-2352	279	12	that	that	SCONJ
inlawrev-2352	279	13	the	the	DET
inlawrev-2352	279	14	receipt	receipt	NOUN
inlawrev-2352	279	15	in	in	ADP
inlawrev-2352	279	16	question	question	NOUN
inlawrev-2352	279	17	was	be	AUX
inlawrev-2352	279	18	invalid	invalid	ADJ
inlawrev-2352	279	19	due	due	ADP
inlawrev-2352	279	20	to	to	ADP
inlawrev-2352	279	21	its	its	PRON
inlawrev-2352	279	22	complicated	complicated	ADJ
inlawrev-2352	279	23	and	and	CCONJ
inlawrev-2352	279	24	legal	legal	ADJ
inlawrev-2352	279	25	phraseology/^	phraseology/^	NOUN
inlawrev-2352	279	26	yet	yet	CCONJ
inlawrev-2352	279	27	an	an	DET
inlawrev-2352	279	28	objective	objective	ADJ
inlawrev-2352	279	29	reading	reading	NOUN
inlawrev-2352	279	30	of	of	ADP
inlawrev-2352	279	31	the	the	DET
inlawrev-2352	279	32	receipts	receipt	NOUN
inlawrev-2352	279	33	in	in	ADP
inlawrev-2352	279	34	both	both	CCONJ
inlawrev-2352	279	35	lamme	lamme	NOUN
inlawrev-2352	279	36	and	and	CCONJ
inlawrev-2352	279	37	kaiser	kaiser	PROPN
inlawrev-2352	279	38	raises	raise	VERB
inlawrev-2352	279	39	the	the	DET
inlawrev-2352	279	40	question	question	NOUN
inlawrev-2352	279	41	of	of	ADP
inlawrev-2352	279	42	whether	whether	SCONJ
inlawrev-2352	279	43	either	either	DET
inlawrev-2352	279	44	receipt	receipt	NOUN
inlawrev-2352	279	45	can	can	AUX
inlawrev-2352	279	46	be	be	AUX
inlawrev-2352	279	47	reasonably	reasonably	ADV
inlawrev-2352	279	48	characterized	characterize	VERB
inlawrev-2352	279	49	as	as	ADP
inlawrev-2352	279	50	complicated	complicated	ADJ
inlawrev-2352	279	51	and	and	CCONJ
inlawrev-2352	279	52	legalistic	legalistic	ADJ
inlawrev-2352	279	53	.	.	PUNCT
inlawrev-2352	280	1	second	second	ADJ
inlawrev-2352	280	2	,	,	PUNCT
inlawrev-2352	280	3	the	the	DET
inlawrev-2352	280	4	kaiser	kaiser	PROPN
inlawrev-2352	280	5	court	court	PROPN
inlawrev-2352	280	6	did	do	AUX
inlawrev-2352	280	7	not	not	PART
inlawrev-2352	280	8	recognize	recognize	VERB
inlawrev-2352	280	9	that	that	SCONJ
inlawrev-2352	280	10	the	the	DET
inlawrev-2352	280	11	court	court	NOUN
inlawrev-2352	280	12	in	in	ADP
inlawrev-2352	280	13	service	service	NOUN
inlawrev-2352	280	14	used	use	VERB
inlawrev-2352	280	15	concepts	concept	NOUN
inlawrev-2352	280	16	properly	properly	ADV
inlawrev-2352	280	17	applicable	applicable	ADJ
inlawrev-2352	280	18	to	to	ADP
inlawrev-2352	280	19	approval	approval	NOUN
inlawrev-2352	280	20	receipts	receipt	NOUN
inlawrev-2352	280	21	when	when	SCONJ
inlawrev-2352	280	22	it	it	PRON
inlawrev-2352	280	23	was	be	AUX
inlawrev-2352	280	24	considering	consider	VERB
inlawrev-2352	280	25	an	an	DET
inlawrev-2352	280	26	insurability	insurability	NOUN
inlawrev-2352	280	27	receipt	receipt	NOUN
inlawrev-2352	280	28	.	.	PUNCT
inlawrev-2352	281	1	this	this	DET
inlawrev-2352	281	2	confusion	confusion	NOUN
inlawrev-2352	281	3	of	of	ADP
inlawrev-2352	281	4	the	the	DET
inlawrev-2352	281	5	two	two	NUM
inlawrev-2352	281	6	separate	separate	ADJ
inlawrev-2352	281	7	concepts	concept	NOUN
inlawrev-2352	281	8	results	result	NOUN
inlawrev-2352	281	9	from	from	ADP
inlawrev-2352	281	10	a	a	DET
inlawrev-2352	281	11	failure	failure	NOUN
inlawrev-2352	281	12	to	to	PART
inlawrev-2352	281	13	appreciate	appreciate	VERB
inlawrev-2352	281	14	that	that	SCONJ
inlawrev-2352	281	15	the	the	DET
inlawrev-2352	281	16	promise	promise	NOUN
inlawrev-2352	281	17	to	to	PART
inlawrev-2352	281	18	grant	grant	VERB
inlawrev-2352	281	19	insurance	insurance	NOUN
inlawrev-2352	281	20	conditioned	condition	VERB
inlawrev-2352	281	21	on	on	ADP
inlawrev-2352	281	22	insurability	insurability	NOUN
inlawrev-2352	281	23	contains	contain	VERB
inlawrev-2352	281	24	sufficient	sufficient	ADJ
inlawrev-2352	281	25	consideration	consideration	NOUN
inlawrev-2352	281	26	to	to	PART
inlawrev-2352	281	27	prevent	prevent	VERB
inlawrev-2352	281	28	an	an	DET
inlawrev-2352	281	29	illusory	illusory	ADJ
inlawrev-2352	281	30	contract	contract	NOUN
inlawrev-2352	281	31	.	.	PUNCT
inlawrev-2352	282	1	taken	take	VERB
inlawrev-2352	282	2	together	together	ADV
inlawrev-2352	282	3	,	,	PUNCT
inlawrev-2352	282	4	neither	neither	CCONJ
inlawrev-2352	282	5	lamme	lamme	NOUN
inlawrev-2352	282	6	nor	nor	CCONJ
inlawrev-2352	282	7	service	service	NOUN
inlawrev-2352	282	8	interpreted	interpret	VERB
inlawrev-2352	282	9	the	the	DET
inlawrev-2352	282	10	receipt	receipt	NOUN
inlawrev-2352	282	11	to	to	PART
inlawrev-2352	282	12	fairly	fairly	ADV
inlawrev-2352	282	13	represent	represent	VERB
inlawrev-2352	282	14	the	the	DET
inlawrev-2352	282	15	intentions	intention	NOUN
inlawrev-2352	282	16	of	of	ADP
inlawrev-2352	282	17	both	both	DET
inlawrev-2352	282	18	parties	party	NOUN
inlawrev-2352	282	19	.	.	PUNCT
inlawrev-2352	283	1	the	the	DET
inlawrev-2352	283	2	indiana	indiana	PROPN
inlawrev-2352	283	3	court	court	PROPN
inlawrev-2352	283	4	,	,	PUNCT
inlawrev-2352	283	5	therefore	therefore	ADV
inlawrev-2352	283	6	,	,	PUNCT
inlawrev-2352	283	7	should	should	AUX
inlawrev-2352	283	8	not	not	PART
inlawrev-2352	283	9	have	have	AUX
inlawrev-2352	283	10	placed	place	VERB
inlawrev-2352	283	11	heavy	heavy	ADJ
inlawrev-2352	283	12	reliance	reliance	NOUN
inlawrev-2352	283	13	upon	upon	SCONJ
inlawrev-2352	283	14	these	these	DET
inlawrev-2352	283	15	two	two	NUM
inlawrev-2352	283	16	cases	case	NOUN
inlawrev-2352	283	17	.	.	PUNCT
inlawrev-2352	284	1	rather	rather	ADV
inlawrev-2352	284	2	,	,	PUNCT
inlawrev-2352	284	3	the	the	DET
inlawrev-2352	284	4	court	court	NOUN
inlawrev-2352	284	5	of	of	ADP
inlawrev-2352	284	6	appeals	appeal	NOUN
inlawrev-2352	284	7	should	should	AUX
inlawrev-2352	284	8	have	have	AUX
inlawrev-2352	284	9	begun	begin	VERB
inlawrev-2352	284	10	with	with	ADP
inlawrev-2352	284	11	the	the	DET
inlawrev-2352	284	12	decision	decision	NOUN
inlawrev-2352	284	13	in	in	ADP
inlawrev-2352	284	14	vale	vale	NOUN
inlawrev-2352	284	15	,	,	PUNCT
inlawrev-2352	284	16	which	which	PRON
inlawrev-2352	284	17	recognized	recognize	VERB
inlawrev-2352	284	18	the	the	DET
inlawrev-2352	284	19	fairness	fairness	NOUN
inlawrev-2352	284	20	of	of	ADP
inlawrev-2352	284	21	conditional	conditional	ADJ
inlawrev-2352	284	22	acceptance	acceptance	NOUN
inlawrev-2352	284	23	,	,	PUNCT
inlawrev-2352	284	24	and	and	CCONJ
inlawrev-2352	284	25	applied	apply	VERB
inlawrev-2352	284	26	the	the	DET
inlawrev-2352	284	27	reasoning	reasoning	NOUN
inlawrev-2352	284	28	in	in	ADP
inlawrev-2352	284	29	that	that	DET
inlawrev-2352	284	30	case	case	NOUN
inlawrev-2352	284	31	to	to	ADP
inlawrev-2352	284	32	the	the	DET
inlawrev-2352	284	33	facts	fact	NOUN
inlawrev-2352	284	34	in	in	ADP
inlawrev-2352	284	35	kaiser	kaiser	PROPN
inlawrev-2352	284	36	.	.	PUNCT
inlawrev-2352	285	1	iii	iii	PROPN
inlawrev-2352	285	2	.	.	PUNCT
inlawrev-2352	286	1	kaiser	kaiser	PROPN
inlawrev-2352	286	2	's	's	PART
inlawrev-2352	286	3	progeny	progeny	NOUN
inlawrev-2352	286	4	the	the	DET
inlawrev-2352	286	5	kaiser	kaiser	PROPN
inlawrev-2352	286	6	opinion	opinion	NOUN
inlawrev-2352	286	7	was	be	AUX
inlawrev-2352	286	8	reinforced	reinforce	VERB
inlawrev-2352	286	9	by	by	ADP
inlawrev-2352	286	10	another	another	DET
inlawrev-2352	286	11	court	court	NOUN
inlawrev-2352	286	12	of	of	ADP
inlawrev-2352	286	13	appeals	appeal	NOUN
inlawrev-2352	286	14	decision	decision	NOUN
inlawrev-2352	286	15	during	during	ADP
inlawrev-2352	286	16	the	the	DET
inlawrev-2352	286	17	same	same	ADJ
inlawrev-2352	286	18	year	year	NOUN
inlawrev-2352	286	19	.	.	PUNCT
inlawrev-2352	287	1	monumental	monumental	ADJ
inlawrev-2352	287	2	life	life	PROPN
inlawrev-2352	287	3	insurance	insurance	PROPN
inlawrev-2352	287	4	co.	co.	PROPN
inlawrev-2352	287	5	v.	v.	ADP
inlawrev-2352	287	6	hakey''^	hakey''^	PROPN
inlawrev-2352	287	7	arose	arise	VERB
inlawrev-2352	287	8	out	out	ADP
inlawrev-2352	287	9	of	of	ADP
inlawrev-2352	287	10	a	a	DET
inlawrev-2352	287	11	familiar	familiar	ADJ
inlawrev-2352	287	12	fact	fact	NOUN
inlawrev-2352	287	13	situation	situation	NOUN
inlawrev-2352	287	14	.	.	PUNCT
inlawrev-2352	288	1	a	a	DET
inlawrev-2352	288	2	monumental	monumental	ADJ
inlawrev-2352	288	3	agent	agent	NOUN
inlawrev-2352	288	4	had	have	AUX
inlawrev-2352	288	5	met	meet	VERB
inlawrev-2352	288	6	with	with	ADP
inlawrev-2352	288	7	mr	mr	PROPN
inlawrev-2352	288	8	.	.	PROPN
inlawrev-2352	288	9	and	and	CCONJ
inlawrev-2352	288	10	mrs	mrs	PROPN
inlawrev-2352	288	11	.	.	PROPN
inlawrev-2352	288	12	hakey	hakey	PROPN
inlawrev-2352	288	13	on	on	ADP
inlawrev-2352	288	14	april	april	PROPN
inlawrev-2352	288	15	14	14	NUM
inlawrev-2352	288	16	,	,	PUNCT
inlawrev-2352	288	17	1972	1972	NUM
inlawrev-2352	288	18	,	,	PUNCT
inlawrev-2352	288	19	helped	help	VERB
inlawrev-2352	288	20	mr	mr	PROPN
inlawrev-2352	288	21	.	.	PROPN
inlawrev-2352	288	22	hakey	hakey	PROPN
inlawrev-2352	288	23	complete	complete	VERB
inlawrev-2352	288	24	an	an	DET
inlawrev-2352	288	25	application	application	NOUN
inlawrev-2352	288	26	for	for	ADP
inlawrev-2352	288	27	life	life	NOUN
inlawrev-2352	288	28	insurance	insurance	NOUN
inlawrev-2352	288	29	,	,	PUNCT
inlawrev-2352	288	30	advised	advise	VERB
inlawrev-2352	288	31	him	he	PRON
inlawrev-2352	288	32	that	that	SCONJ
inlawrev-2352	288	33	a	a	DET
inlawrev-2352	288	34	physical	physical	ADJ
inlawrev-2352	288	35	examination	examination	NOUN
inlawrev-2352	288	36	might	might	AUX
inlawrev-2352	288	37	be	be	AUX
inlawrev-2352	288	38	necessary	necessary	ADJ
inlawrev-2352	288	39	,	,	PUNCT
inlawrev-2352	288	40	received	receive	VERB
inlawrev-2352	288	41	a	a	DET
inlawrev-2352	288	42	premium	premium	NOUN
inlawrev-2352	288	43	from	from	ADP
inlawrev-2352	288	44	him	he	PRON
inlawrev-2352	288	45	,	,	PUNCT
inlawrev-2352	288	46	and	and	CCONJ
inlawrev-2352	288	47	issued	issue	VERB
inlawrev-2352	288	48	a	a	DET
inlawrev-2352	288	49	conditional	conditional	ADJ
inlawrev-2352	288	50	receipt	receipt	NOUN
inlawrev-2352	288	51	.	.	PUNCT
inlawrev-2352	289	1	the	the	DET
inlawrev-2352	289	2	applicant	applicant	NOUN
inlawrev-2352	289	3	died	die	VERB
inlawrev-2352	289	4	as	as	ADP
inlawrev-2352	289	5	a	a	DET
inlawrev-2352	289	6	result	result	NOUN
inlawrev-2352	289	7	of	of	ADP
inlawrev-2352	289	8	an	an	DET
inlawrev-2352	289	9	accident	accident	NOUN
inlawrev-2352	289	10	on	on	ADP
inlawrev-2352	289	11	april	april	PROPN
inlawrev-2352	289	12	29	29	NUM
inlawrev-2352	289	13	,	,	PUNCT
inlawrev-2352	289	14	two	two	NUM
inlawrev-2352	289	15	days	day	NOUN
inlawrev-2352	289	16	before	before	SCONJ
inlawrev-2352	289	17	the	the	DET
inlawrev-2352	289	18	company	company	NOUN
inlawrev-2352	289	19	had	have	AUX
inlawrev-2352	289	20	prepared	prepare	VERB
inlawrev-2352	289	21	its	its	PRON
inlawrev-2352	289	22	formal	formal	ADJ
inlawrev-2352	289	23	request	request	NOUN
inlawrev-2352	289	24	for	for	ADP
inlawrev-2352	289	25	a	a	DET
inlawrev-2352	289	26	physical	physical	ADJ
inlawrev-2352	289	27	examination	examination	NOUN
inlawrev-2352	289	28	.	.	PUNCT
inlawrev-2352	290	1	after	after	SCONJ
inlawrev-2352	290	2	the	the	DET
inlawrev-2352	290	3	company	company	NOUN
inlawrev-2352	290	4	learned	learn	VERB
inlawrev-2352	290	5	of	of	ADP
inlawrev-2352	290	6	the	the	DET
inlawrev-2352	290	7	death	death	NOUN
inlawrev-2352	290	8	,	,	PUNCT
inlawrev-2352	290	9	it	it	PRON
inlawrev-2352	290	10	cancelled	cancel	VERB
inlawrev-2352	290	11	the	the	DET
inlawrev-2352	290	12	application	application	NOUN
inlawrev-2352	290	13	and	and	CCONJ
inlawrev-2352	290	14	refunded	refund	VERB
inlawrev-2352	290	15	the	the	DET
inlawrev-2352	290	16	premium	premium	NOUN
inlawrev-2352	290	17	.	.	PUNCT
inlawrev-2352	291	1	some	some	DET
inlawrev-2352	291	2	testimony	testimony	NOUN
inlawrev-2352	291	3	indicated	indicate	VERB
inlawrev-2352	291	4	that	that	SCONJ
inlawrev-2352	291	5	the	the	DET
inlawrev-2352	291	6	agent	agent	NOUN
inlawrev-2352	291	7	had	have	AUX
inlawrev-2352	291	8	told	tell	VERB
inlawrev-2352	291	9	mr	mr	PROPN
inlawrev-2352	291	10	.	.	PROPN
inlawrev-2352	291	11	hakey	hakey	PROPN
inlawrev-2352	291	12	that	that	SCONJ
inlawrev-2352	291	13	he	he	PRON
inlawrev-2352	291	14	was	be	AUX
inlawrev-2352	291	15	covered	cover	VERB
inlawrev-2352	291	16	.	.	PUNCT
inlawrev-2352	292	1	the	the	DET
inlawrev-2352	292	2	company	company	NOUN
inlawrev-2352	292	3	defended	defend	VERB
inlawrev-2352	292	4	the	the	DET
inlawrev-2352	292	5	suit	suit	NOUN
inlawrev-2352	292	6	brought	bring	VERB
inlawrev-2352	292	7	by	by	ADP
inlawrev-2352	292	8	the	the	DET
inlawrev-2352	292	9	beneficiary	beneficiary	NOUN
inlawrev-2352	292	10	on	on	ADP
inlawrev-2352	292	11	the	the	DET
inlawrev-2352	292	12	ground	ground	NOUN
inlawrev-2352	292	13	that	that	SCONJ
inlawrev-2352	292	14	no	no	DET
inlawrev-2352	292	15	contract	contract	NOUN
inlawrev-2352	292	16	existed	exist	VERB
inlawrev-2352	292	17	because	because	SCONJ
inlawrev-2352	292	18	there	there	PRON
inlawrev-2352	292	19	was	be	VERB
inlawrev-2352	292	20	an	an	DET
inlawrev-2352	292	21	uncompleted	uncompleted	ADJ
inlawrev-2352	292	22	condition	condition	NOUN
inlawrev-2352	292	23	precedent	precedent	NOUN
inlawrev-2352	292	24	.	.	PUNCT
inlawrev-2352	293	1	since	since	SCONJ
inlawrev-2352	293	2	the	the	DET
inlawrev-2352	293	3	opinion	opinion	NOUN
inlawrev-2352	293	4	does	do	AUX
inlawrev-2352	293	5	not	not	PART
inlawrev-2352	293	6	reproduce	reproduce	VERB
inlawrev-2352	293	7	the	the	DET
inlawrev-2352	293	8	wording	wording	NOUN
inlawrev-2352	293	9	of	of	ADP
inlawrev-2352	293	10	the	the	DET
inlawrev-2352	293	11	conditional	conditional	ADJ
inlawrev-2352	293	12	receipt	receipt	NOUN
inlawrev-2352	293	13	,	,	PUNCT
inlawrev-2352	293	14	it	it	PRON
inlawrev-2352	293	15	is	be	AUX
inlawrev-2352	293	16	not	not	PART
inlawrev-2352	293	17	possible	possible	ADJ
inlawrev-2352	293	18	to	to	PART
inlawrev-2352	293	19	ascertain	ascertain	VERB
inlawrev-2352	293	20	whether	whether	SCONJ
inlawrev-2352	293	21	it	it	PRON
inlawrev-2352	293	22	was	be	AUX
inlawrev-2352	293	23	an	an	DET
inlawrev-2352	293	24	approval	approval	NOUN
inlawrev-2352	293	25	receipt	receipt	NOUN
inlawrev-2352	293	26	or	or	CCONJ
inlawrev-2352	293	27	an	an	DET
inlawrev-2352	293	28	insurability	insurability	NOUN
inlawrev-2352	293	29	receipt	receipt	NOUN
inlawrev-2352	293	30	.	.	PUNCT
inlawrev-2352	294	1	nevertheless	nevertheless	ADV
inlawrev-2352	294	2	,	,	PUNCT
inlawrev-2352	294	3	the	the	DET
inlawrev-2352	294	4	court	court	NOUN
inlawrev-2352	294	5	's	's	PART
inlawrev-2352	294	6	handling	handling	NOUN
inlawrev-2352	294	7	of	of	ADP
inlawrev-2352	294	8	the	the	DET
inlawrev-2352	294	9	company	company	NOUN
inlawrev-2352	294	10	's	's	PART
inlawrev-2352	294	11	claim	claim	NOUN
inlawrev-2352	294	12	makes	make	VERB
inlawrev-2352	294	13	this	this	DET
inlawrev-2352	294	14	determination	determination	NOUN
inlawrev-2352	294	15	unnecessary	unnecessary	ADJ
inlawrev-2352	294	16	.	.	PUNCT
inlawrev-2352	295	1	the	the	DET
inlawrev-2352	295	2	court	court	NOUN
inlawrev-2352	295	3	quoted	quote	VERB
inlawrev-2352	295	4	briefly	briefly	ADV
inlawrev-2352	295	5	from	from	ADP
inlawrev-2352	295	6	kaiser	kaiser	PROPN
inlawrev-2352	295	7	,	,	PUNCT
inlawrev-2352	295	8	and	and	CCONJ
inlawrev-2352	295	9	then	then	ADV
inlawrev-2352	295	10	resolved	resolve	VERB
inlawrev-2352	295	11	the	the	DET
inlawrev-2352	295	12	issue	issue	NOUN
inlawrev-2352	295	13	by	by	ADP
inlawrev-2352	295	14	stating	state	VERB
inlawrev-2352	295	15	:	:	PUNCT
inlawrev-2352	295	16	"	"	PUNCT
inlawrev-2352	295	17	company	company	NOUN
inlawrev-2352	295	18	did	do	AUX
inlawrev-2352	295	19	not	not	PART
inlawrev-2352	295	20	notify	notify	VERB
inlawrev-2352	295	21	decedent	decedent	NOUN
inlawrev-2352	295	22	of	of	ADP
inlawrev-2352	295	23	the	the	DET
inlawrev-2352	295	24	'	'	PUNCT
inlawrev-2352	295	25	see	see	VERB
inlawrev-2352	295	26	text	text	NOUN
inlawrev-2352	295	27	accompanying	accompanying	ADJ
inlawrev-2352	295	28	note	note	NOUN
inlawrev-2352	295	29	24	24	NUM
inlawrev-2352	295	30	supra	supra	NOUN
inlawrev-2352	295	31	.	.	PUNCT
inlawrev-2352	296	1	'	'	PUNCT
inlawrev-2352	296	2	354	354	NUM
inlawrev-2352	296	3	n.e.2d	n.e.2d	NOUN
inlawrev-2352	296	4	333	333	NUM
inlawrev-2352	296	5	(	(	PUNCT
inlawrev-2352	296	6	ind	ind	NOUN
inlawrev-2352	296	7	.	.	PUNCT
inlawrev-2352	297	1	ct	ct	PROPN
inlawrev-2352	297	2	.	.	PUNCT
inlawrev-2352	298	1	app	app	PROPN
inlawrev-2352	298	2	.	.	PROPN
inlawrev-2352	298	3	1976	1976	NUM
inlawrev-2352	298	4	)	)	PUNCT
inlawrev-2352	298	5	.	.	PUNCT
inlawrev-2352	299	1	792	792	NUM
inlawrev-2352	299	2	indiana	indiana	PROPN
inlawrev-2352	299	3	law	law	PROPN
inlawrev-2352	299	4	review	review	NOUN
inlawrev-2352	299	5	[	[	X
inlawrev-2352	299	6	vol	vol	NOUN
inlawrev-2352	299	7	.	.	PUNCT
inlawrev-2352	300	1	12:777	12:777	NUM
inlawrev-2352	300	2	necessity	necessity	NOUN
inlawrev-2352	300	3	for	for	ADP
inlawrev-2352	300	4	a	a	DET
inlawrev-2352	300	5	medical	medical	ADJ
inlawrev-2352	300	6	examination	examination	NOUN
inlawrev-2352	300	7	in	in	ADP
inlawrev-2352	300	8	decedent	decedent	PROPN
inlawrev-2352	300	9	's	's	PART
inlawrev-2352	300	10	lifetime	lifetime	NOUN
inlawrev-2352	300	11	;	;	PUNCT
inlawrev-2352	300	12	company	company	NOUN
inlawrev-2352	300	13	accepted	accept	VERB
inlawrev-2352	300	14	consideration	consideration	NOUN
inlawrev-2352	300	15	;	;	PUNCT
inlawrev-2352	300	16	and	and	CCONJ
inlawrev-2352	300	17	company	company	NOUN
inlawrev-2352	300	18	issued	issue	VERB
inlawrev-2352	300	19	a	a	DET
inlawrev-2352	300	20	receipt	receipt	NOUN
inlawrev-2352	300	21	.	.	PUNCT
inlawrev-2352	301	1	a	a	DET
inlawrev-2352	301	2	contract	contract	NOUN
inlawrev-2352	301	3	for	for	ADP
inlawrev-2352	301	4	insurance	insurance	NOUN
inlawrev-2352	301	5	was	be	AUX
inlawrev-2352	301	6	created	create	VERB
inlawrev-2352	301	7	.	.	PUNCT
inlawrev-2352	302	1	"^^	"^^	PUNCT
inlawrev-2352	302	2	by	by	ADP
inlawrev-2352	302	3	using	use	VERB
inlawrev-2352	302	4	kaiser	kaiser	PROPN
inlawrev-2352	302	5	as	as	ADP
inlawrev-2352	302	6	a	a	DET
inlawrev-2352	302	7	basis	basis	NOUN
inlawrev-2352	302	8	for	for	ADP
inlawrev-2352	302	9	holding	hold	VERB
inlawrev-2352	302	10	that	that	SCONJ
inlawrev-2352	302	11	any	any	DET
inlawrev-2352	302	12	conditions	condition	NOUN
inlawrev-2352	302	13	contained	contain	VERB
inlawrev-2352	302	14	in	in	ADP
inlawrev-2352	302	15	the	the	DET
inlawrev-2352	302	16	receipt	receipt	NOUN
inlawrev-2352	302	17	were	be	AUX
inlawrev-2352	302	18	to	to	PART
inlawrev-2352	302	19	be	be	AUX
inlawrev-2352	302	20	treated	treat	VERB
inlawrev-2352	302	21	as	as	SCONJ
inlawrev-2352	302	22	conditions	condition	NOUN
inlawrev-2352	302	23	subsequent,^^	subsequent,^^	VERB
inlawrev-2352	302	24	the	the	DET
inlawrev-2352	302	25	hakey	hakey	PROPN
inlawrev-2352	302	26	court	court	NOUN
inlawrev-2352	302	27	did	do	AUX
inlawrev-2352	302	28	not	not	PART
inlawrev-2352	302	29	need	need	VERB
inlawrev-2352	302	30	to	to	PART
inlawrev-2352	302	31	determine	determine	VERB
inlawrev-2352	302	32	whether	whether	SCONJ
inlawrev-2352	302	33	mr	mr	PROPN
inlawrev-2352	302	34	.	.	PROPN
inlawrev-2352	302	35	hakey	hakey	PROPN
inlawrev-2352	302	36	was	be	AUX
inlawrev-2352	302	37	insurable	insurable	ADJ
inlawrev-2352	302	38	.	.	PUNCT
inlawrev-2352	303	1	the	the	DET
inlawrev-2352	303	2	court	court	NOUN
inlawrev-2352	303	3	apparently	apparently	ADV
inlawrev-2352	303	4	made	make	VERB
inlawrev-2352	303	5	no	no	DET
inlawrev-2352	303	6	investigation	investigation	NOUN
inlawrev-2352	303	7	into	into	ADP
inlawrev-2352	303	8	the	the	DET
inlawrev-2352	303	9	policies	policy	NOUN
inlawrev-2352	303	10	underlying	underlie	VERB
inlawrev-2352	303	11	kaiser	kaiser	NOUN
inlawrev-2352	303	12	.	.	PUNCT
inlawrev-2352	304	1	had	have	AUX
inlawrev-2352	304	2	it	it	PRON
inlawrev-2352	304	3	done	do	VERB
inlawrev-2352	304	4	so	so	ADV
inlawrev-2352	304	5	,	,	PUNCT
inlawrev-2352	304	6	or	or	CCONJ
inlawrev-2352	304	7	had	have	VERB
inlawrev-2352	304	8	counsel	counsel	NOUN
inlawrev-2352	304	9	for	for	ADP
inlawrev-2352	304	10	the	the	DET
inlawrev-2352	304	11	company	company	NOUN
inlawrev-2352	304	12	properly	properly	ADV
inlawrev-2352	304	13	presented	present	VERB
inlawrev-2352	304	14	arguments	argument	NOUN
inlawrev-2352	304	15	in	in	ADP
inlawrev-2352	304	16	opposition	opposition	NOUN
inlawrev-2352	304	17	to	to	ADP
inlawrev-2352	304	18	kaiser	kaiser	PROPN
inlawrev-2352	304	19	,	,	PUNCT
inlawrev-2352	304	20	the	the	DET
inlawrev-2352	304	21	court	court	NOUN
inlawrev-2352	304	22	might	might	AUX
inlawrev-2352	304	23	have	have	AUX
inlawrev-2352	304	24	discovered	discover	VERB
inlawrev-2352	304	25	the	the	DET
inlawrev-2352	304	26	logical	logical	ADJ
inlawrev-2352	304	27	flaws	flaw	NOUN
inlawrev-2352	304	28	in	in	ADP
inlawrev-2352	304	29	the	the	DET
inlawrev-2352	304	30	kaiser	kaiser	PROPN
inlawrev-2352	304	31	opinion	opinion	NOUN
inlawrev-2352	304	32	.	.	PUNCT
inlawrev-2352	305	1	in	in	ADP
inlawrev-2352	305	2	hakey	hakey	PROPN
inlawrev-2352	305	3	,	,	PUNCT
inlawrev-2352	305	4	as	as	ADP
inlawrev-2352	305	5	in	in	ADP
inlawrev-2352	305	6	kaiser	kaiser	NOUN
inlawrev-2352	305	7	,	,	PUNCT
inlawrev-2352	305	8	the	the	DET
inlawrev-2352	305	9	court	court	NOUN
inlawrev-2352	305	10	did	do	AUX
inlawrev-2352	305	11	not	not	PART
inlawrev-2352	305	12	recognize	recognize	VERB
inlawrev-2352	305	13	that	that	SCONJ
inlawrev-2352	305	14	an	an	DET
inlawrev-2352	305	15	insurability	insurability	NOUN
inlawrev-2352	305	16	receipt	receipt	NOUN
inlawrev-2352	305	17	contains	contain	VERB
inlawrev-2352	305	18	a	a	DET
inlawrev-2352	305	19	conditional	conditional	ADJ
inlawrev-2352	305	20	promise	promise	NOUN
inlawrev-2352	305	21	to	to	PART
inlawrev-2352	305	22	insure	insure	VERB
inlawrev-2352	305	23	and	and	CCONJ
inlawrev-2352	305	24	that	that	SCONJ
inlawrev-2352	305	25	the	the	DET
inlawrev-2352	305	26	consideration	consideration	NOUN
inlawrev-2352	305	27	advanced	advance	VERB
inlawrev-2352	305	28	by	by	ADP
inlawrev-2352	305	29	the	the	DET
inlawrev-2352	305	30	applicant	applicant	NOUN
inlawrev-2352	305	31	applies	apply	VERB
inlawrev-2352	305	32	to	to	ADP
inlawrev-2352	305	33	this	this	DET
inlawrev-2352	305	34	independent	independent	ADJ
inlawrev-2352	305	35	promise	promise	NOUN
inlawrev-2352	305	36	as	as	ADV
inlawrev-2352	305	37	well	well	ADV
inlawrev-2352	305	38	as	as	ADP
inlawrev-2352	305	39	to	to	ADP
inlawrev-2352	305	40	the	the	DET
inlawrev-2352	305	41	promise	promise	NOUN
inlawrev-2352	305	42	to	to	PART
inlawrev-2352	305	43	pay	pay	VERB
inlawrev-2352	305	44	death	death	NOUN
inlawrev-2352	305	45	benefits	benefit	NOUN
inlawrev-2352	305	46	contained	contain	VERB
inlawrev-2352	305	47	in	in	ADP
inlawrev-2352	305	48	the	the	DET
inlawrev-2352	305	49	policy	policy	NOUN
inlawrev-2352	305	50	itself	itself	PRON
inlawrev-2352	305	51	.	.	PUNCT
inlawrev-2352	306	1	it	it	PRON
inlawrev-2352	306	2	would	would	AUX
inlawrev-2352	306	3	seem	seem	VERB
inlawrev-2352	306	4	that	that	SCONJ
inlawrev-2352	306	5	,	,	PUNCT
inlawrev-2352	306	6	whether	whether	SCONJ
inlawrev-2352	306	7	the	the	DET
inlawrev-2352	306	8	receipt	receipt	NOUN
inlawrev-2352	306	9	in	in	ADP
inlawrev-2352	306	10	hakey	hakey	PROPN
inlawrev-2352	306	11	was	be	AUX
inlawrev-2352	306	12	an	an	DET
inlawrev-2352	306	13	approval	approval	NOUN
inlawrev-2352	306	14	or	or	CCONJ
inlawrev-2352	306	15	an	an	DET
inlawrev-2352	306	16	insurability	insurability	NOUN
inlawrev-2352	306	17	receipt	receipt	NOUN
inlawrev-2352	306	18	,	,	PUNCT
inlawrev-2352	306	19	the	the	DET
inlawrev-2352	306	20	court	court	NOUN
inlawrev-2352	306	21	's	's	PART
inlawrev-2352	306	22	analysis	analysis	NOUN
inlawrev-2352	306	23	of	of	ADP
inlawrev-2352	306	24	the	the	DET
inlawrev-2352	306	25	issues	issue	NOUN
inlawrev-2352	306	26	was	be	AUX
inlawrev-2352	306	27	incomplete	incomplete	ADJ
inlawrev-2352	306	28	.	.	PUNCT
inlawrev-2352	307	1	the	the	DET
inlawrev-2352	307	2	latest	late	ADJ
inlawrev-2352	307	3	decision	decision	NOUN
inlawrev-2352	307	4	in	in	ADP
inlawrev-2352	307	5	indiana	indiana	PROPN
inlawrev-2352	307	6	dealing	deal	VERB
inlawrev-2352	307	7	with	with	ADP
inlawrev-2352	307	8	conditional	conditional	ADJ
inlawrev-2352	307	9	receipts	receipt	NOUN
inlawrev-2352	307	10	is	be	AUX
inlawrev-2352	307	11	meding	mede	VERB
inlawrev-2352	307	12	v.	v.	ADP
inlawrev-2352	307	13	prudential	prudential	PROPN
inlawrev-2352	307	14	insurance	insurance	PROPN
inlawrev-2352	307	15	co.	co.	PROPN
inlawrev-2352	307	16	of	of	ADP
inlawrev-2352	307	17	america	america	PROPN
inlawrev-2352	307	18	.	.	PUNCT
inlawrev-2352	308	1	'^^	'^^	PROPN
inlawrev-2352	308	2	the	the	DET
inlawrev-2352	308	3	federal	federal	ADJ
inlawrev-2352	308	4	district	district	NOUN
inlawrev-2352	308	5	court	court	NOUN
inlawrev-2352	308	6	,	,	PUNCT
inlawrev-2352	308	7	applying	apply	VERB
inlawrev-2352	308	8	indiana	indiana	PROPN
inlawrev-2352	308	9	law	law	NOUN
inlawrev-2352	308	10	,	,	PUNCT
inlawrev-2352	308	11	failed	fail	VERB
inlawrev-2352	308	12	to	to	PART
inlawrev-2352	308	13	distinguish	distinguish	VERB
inlawrev-2352	308	14	between	between	ADP
inlawrev-2352	308	15	approval	approval	NOUN
inlawrev-2352	308	16	and	and	CCONJ
inlawrev-2352	308	17	insurability	insurability	NOUN
inlawrev-2352	308	18	receipts	receipt	NOUN
inlawrev-2352	308	19	,	,	PUNCT
inlawrev-2352	308	20	and	and	CCONJ
inlawrev-2352	308	21	to	to	PART
inlawrev-2352	308	22	discern	discern	VERB
inlawrev-2352	308	23	differences	difference	NOUN
inlawrev-2352	308	24	among	among	ADP
inlawrev-2352	308	25	conditions	condition	NOUN
inlawrev-2352	308	26	imposed	impose	VERB
inlawrev-2352	308	27	by	by	ADP
inlawrev-2352	308	28	insurance	insurance	NOUN
inlawrev-2352	308	29	companies	company	NOUN
inlawrev-2352	308	30	through	through	ADP
inlawrev-2352	308	31	the	the	DET
inlawrev-2352	308	32	use	use	NOUN
inlawrev-2352	308	33	of	of	ADP
inlawrev-2352	308	34	conditional	conditional	ADJ
inlawrev-2352	308	35	receipts	receipt	NOUN
inlawrev-2352	308	36	.	.	PUNCT
inlawrev-2352	309	1	the	the	DET
inlawrev-2352	309	2	facts	fact	NOUN
inlawrev-2352	309	3	in	in	ADP
inlawrev-2352	309	4	this	this	DET
inlawrev-2352	309	5	case	case	NOUN
inlawrev-2352	309	6	were	be	AUX
inlawrev-2352	309	7	not	not	PART
inlawrev-2352	309	8	in	in	ADP
inlawrev-2352	309	9	dispute	dispute	NOUN
inlawrev-2352	309	10	and	and	CCONJ
inlawrev-2352	309	11	follow	follow	VERB
inlawrev-2352	309	12	the	the	DET
inlawrev-2352	309	13	familiar	familiar	ADJ
inlawrev-2352	309	14	pattern	pattern	NOUN
inlawrev-2352	309	15	.	.	PUNCT
inlawrev-2352	310	1	an	an	DET
inlawrev-2352	310	2	application	application	NOUN
inlawrev-2352	310	3	had	have	AUX
inlawrev-2352	310	4	been	be	AUX
inlawrev-2352	310	5	completed	complete	VERB
inlawrev-2352	310	6	,	,	PUNCT
inlawrev-2352	310	7	a	a	DET
inlawrev-2352	310	8	premium	premium	NOUN
inlawrev-2352	310	9	submitted	submit	VERB
inlawrev-2352	310	10	to	to	ADP
inlawrev-2352	310	11	the	the	DET
inlawrev-2352	310	12	company	company	NOUN
inlawrev-2352	310	13	,	,	PUNCT
inlawrev-2352	310	14	and	and	CCONJ
inlawrev-2352	310	15	a	a	DET
inlawrev-2352	310	16	medical	medical	ADJ
inlawrev-2352	310	17	exam	exam	NOUN
inlawrev-2352	310	18	requested	request	VERB
inlawrev-2352	310	19	.	.	PUNCT
inlawrev-2352	311	1	the	the	DET
inlawrev-2352	311	2	applicant	applicant	NOUN
inlawrev-2352	311	3	died	die	VERB
inlawrev-2352	311	4	before	before	ADP
inlawrev-2352	311	5	completion	completion	NOUN
inlawrev-2352	311	6	of	of	ADP
inlawrev-2352	311	7	the	the	DET
inlawrev-2352	311	8	medical	medical	ADJ
inlawrev-2352	311	9	examination	examination	NOUN
inlawrev-2352	311	10	.	.	PUNCT
inlawrev-2352	312	1	the	the	DET
inlawrev-2352	312	2	sole	sole	ADJ
inlawrev-2352	312	3	issue	issue	NOUN
inlawrev-2352	312	4	before	before	ADP
inlawrev-2352	312	5	the	the	DET
inlawrev-2352	312	6	court	court	NOUN
inlawrev-2352	312	7	on	on	ADP
inlawrev-2352	312	8	the	the	DET
inlawrev-2352	312	9	plaintiff	plaintiff	NOUN
inlawrev-2352	312	10	's	's	PART
inlawrev-2352	312	11	motion	motion	NOUN
inlawrev-2352	312	12	for	for	ADP
inlawrev-2352	312	13	summary	summary	NOUN
inlawrev-2352	312	14	judgment	judgment	NOUN
inlawrev-2352	312	15	was	be	AUX
inlawrev-2352	312	16	whether	whether	SCONJ
inlawrev-2352	312	17	the	the	DET
inlawrev-2352	312	18	conditional	conditional	ADJ
inlawrev-2352	312	19	receipt	receipt	NOUN
inlawrev-2352	312	20	created	create	VERB
inlawrev-2352	312	21	a	a	DET
inlawrev-2352	312	22	contract	contract	NOUN
inlawrev-2352	312	23	of	of	ADP
inlawrev-2352	312	24	life	life	NOUN
inlawrev-2352	312	25	insurance	insurance	NOUN
inlawrev-2352	312	26	by	by	ADP
inlawrev-2352	312	27	virtue	virtue	NOUN
inlawrev-2352	312	28	of	of	ADP
inlawrev-2352	312	29	the	the	DET
inlawrev-2352	312	30	payment	payment	NOUN
inlawrev-2352	312	31	of	of	ADP
inlawrev-2352	312	32	the	the	DET
inlawrev-2352	312	33	premium	premium	NOUN
inlawrev-2352	312	34	and	and	CCONJ
inlawrev-2352	312	35	acceptance	acceptance	NOUN
inlawrev-2352	312	36	of	of	ADP
inlawrev-2352	312	37	the	the	DET
inlawrev-2352	312	38	premium	premium	NOUN
inlawrev-2352	312	39	by	by	ADP
inlawrev-2352	312	40	the	the	DET
inlawrev-2352	312	41	company	company	NOUN
inlawrev-2352	312	42	.^^	.^^	PUNCT
inlawrev-2352	313	1	the	the	DET
inlawrev-2352	313	2	court	court	NOUN
inlawrev-2352	313	3	observed	observe	VERB
inlawrev-2352	313	4	that	that	SCONJ
inlawrev-2352	313	5	historically	historically	ADV
inlawrev-2352	313	6	there	there	PRON
inlawrev-2352	313	7	have	have	AUX
inlawrev-2352	313	8	been	be	AUX
inlawrev-2352	313	9	two	two	NUM
inlawrev-2352	313	10	theories	theory	NOUN
inlawrev-2352	313	11	for	for	ADP
inlawrev-2352	313	12	conditional	conditional	ADJ
inlawrev-2352	313	13	receipts	receipt	NOUN
inlawrev-2352	313	14	—	—	PUNCT
inlawrev-2352	313	15	a	a	DET
inlawrev-2352	313	16	condition	condition	NOUN
inlawrev-2352	313	17	precedent	precedent	NOUN
inlawrev-2352	313	18	theory	theory	NOUN
inlawrev-2352	313	19	and	and	CCONJ
inlawrev-2352	313	20	a	a	DET
inlawrev-2352	313	21	condition	condition	NOUN
inlawrev-2352	313	22	subsequent	subsequent	ADJ
inlawrev-2352	313	23	theory	theory	NOUN
inlawrev-2352	313	24	.	.	PUNCT
inlawrev-2352	314	1	according	accord	VERB
inlawrev-2352	314	2	to	to	ADP
inlawrev-2352	314	3	this	this	DET
inlawrev-2352	314	4	court	court	NOUN
inlawrev-2352	314	5	,	,	PUNCT
inlawrev-2352	314	6	under	under	ADP
inlawrev-2352	314	7	the	the	DET
inlawrev-2352	314	8	condition	condition	NOUN
inlawrev-2352	314	9	precedent	precedent	NOUN
inlawrev-2352	314	10	theory	theory	NOUN
inlawrev-2352	314	11	no	no	DET
inlawrev-2352	314	12	contract	contract	NOUN
inlawrev-2352	314	13	exists	exist	VERB
inlawrev-2352	314	14	until	until	ADP
inlawrev-2352	314	15	acceptance	acceptance	NOUN
inlawrev-2352	314	16	by	by	ADP
inlawrev-2352	314	17	the	the	DET
inlawrev-2352	314	18	company	company	NOUN
inlawrev-2352	314	19	,	,	PUNCT
inlawrev-2352	314	20	whereas	whereas	SCONJ
inlawrev-2352	314	21	under	under	ADP
inlawrev-2352	314	22	the	the	DET
inlawrev-2352	314	23	condition	condition	NOUN
inlawrev-2352	314	24	subsequent	subsequent	ADJ
inlawrev-2352	314	25	theory	theory	NOUN
inlawrev-2352	314	26	,	,	PUNCT
inlawrev-2352	314	27	the	the	DET
inlawrev-2352	314	28	contract	contract	NOUN
inlawrev-2352	314	29	becomes	become	VERB
inlawrev-2352	314	30	effective	effective	ADJ
inlawrev-2352	314	31	on	on	ADP
inlawrev-2352	314	32	the	the	DET
inlawrev-2352	314	33	date	date	NOUN
inlawrev-2352	314	34	of	of	ADP
inlawrev-2352	314	35	prepayment	prepayment	NOUN
inlawrev-2352	314	36	,	,	PUNCT
inlawrev-2352	314	37	subject	subject	ADJ
inlawrev-2352	314	38	to	to	ADP
inlawrev-2352	314	39	the	the	DET
inlawrev-2352	314	40	company	company	NOUN
inlawrev-2352	314	41	's	's	PART
inlawrev-2352	314	42	right	right	NOUN
inlawrev-2352	314	43	to	to	PART
inlawrev-2352	314	44	reject.^^	reject.^^	VERB
inlawrev-2352	314	45	the	the	DET
inlawrev-2352	314	46	court	court	NOUN
inlawrev-2352	314	47	's	's	PART
inlawrev-2352	314	48	characterization	characterization	NOUN
inlawrev-2352	314	49	of	of	ADP
inlawrev-2352	314	50	the	the	DET
inlawrev-2352	314	51	two	two	NUM
inlawrev-2352	314	52	theories	theory	NOUN
inlawrev-2352	314	53	,	,	PUNCT
inlawrev-2352	314	54	however	however	ADV
inlawrev-2352	314	55	,	,	PUNCT
inlawrev-2352	314	56	was	be	AUX
inlawrev-2352	314	57	incorrect	incorrect	ADJ
inlawrev-2352	314	58	.	.	PUNCT
inlawrev-2352	315	1	the	the	DET
inlawrev-2352	315	2	opinion	opinion	NOUN
inlawrev-2352	315	3	does	do	AUX
inlawrev-2352	315	4	not	not	PART
inlawrev-2352	315	5	set	set	VERB
inlawrev-2352	315	6	forth	forth	ADP
inlawrev-2352	315	7	the	the	DET
inlawrev-2352	315	8	terms	term	NOUN
inlawrev-2352	315	9	of	of	ADP
inlawrev-2352	315	10	the	the	DET
inlawrev-2352	315	11	receipt	receipt	NOUN
inlawrev-2352	315	12	,	,	PUNCT
inlawrev-2352	315	13	but	but	CCONJ
inlawrev-2352	315	14	since	since	SCONJ
inlawrev-2352	315	15	insurability	insurability	NOUN
inlawrev-2352	315	16	seems	seem	VERB
inlawrev-2352	315	17	to	to	PART
inlawrev-2352	315	18	have	have	AUX
inlawrev-2352	315	19	been	be	AUX
inlawrev-2352	315	20	in	in	ADP
inlawrev-2352	315	21	issue	issue	NOUN
inlawrev-2352	315	22	,	,	PUNCT
inlawrev-2352	315	23	the	the	DET
inlawrev-2352	315	24	receipt	receipt	NOUN
inlawrev-2352	315	25	must	must	AUX
inlawrev-2352	315	26	have	have	AUX
inlawrev-2352	315	27	been	be	AUX
inlawrev-2352	315	28	of	of	ADP
inlawrev-2352	315	29	the	the	DET
inlawrev-2352	315	30	insurability	insurability	NOUN
inlawrev-2352	315	31	type	type	NOUN
inlawrev-2352	315	32	.	.	PUNCT
inlawrev-2352	316	1	the	the	DET
inlawrev-2352	316	2	court	court	NOUN
inlawrev-2352	316	3	referred	refer	VERB
inlawrev-2352	316	4	,	,	PUNCT
inlawrev-2352	316	5	however	however	ADV
inlawrev-2352	316	6	,	,	PUNCT
inlawrev-2352	316	7	only	only	ADV
inlawrev-2352	316	8	to	to	ADP
inlawrev-2352	316	9	the	the	DET
inlawrev-2352	316	10	condition	condition	NOUN
inlawrev-2352	316	11	of	of	ADP
inlawrev-2352	316	12	acceptance	acceptance	NOUN
inlawrev-2352	316	13	or	or	CCONJ
inlawrev-2352	316	14	rejection	rejection	NOUN
inlawrev-2352	316	15	'	'	PUNCT
inlawrev-2352	316	16	*	*	VERB
inlawrev-2352	316	17	i	i	PRON
inlawrev-2352	316	18	d.	d.	PROPN
inlawrev-2352	316	19	at	at	ADP
inlawrev-2352	316	20	335	335	NUM
inlawrev-2352	316	21	.	.	PUNCT
inlawrev-2352	316	22	''	''	PUNCT
inlawrev-2352	317	1	i	i	PRON
inlawrev-2352	317	2	d.	d.	PROPN
inlawrev-2352	317	3	at	at	ADP
inlawrev-2352	317	4	334	334	NUM
inlawrev-2352	317	5	-	-	SYM
inlawrev-2352	317	6	35	35	NUM
inlawrev-2352	317	7	.	.	PUNCT
inlawrev-2352	317	8	'	'	PUNCT
inlawrev-2352	318	1	•'444	•'444	PROPN
inlawrev-2352	318	2	f.	f.	PROPN
inlawrev-2352	318	3	supp	supp	PROPN
inlawrev-2352	318	4	.	.	PUNCT
inlawrev-2352	319	1	634	634	NUM
inlawrev-2352	319	2	(	(	PUNCT
inlawrev-2352	319	3	n.d	n.d	PROPN
inlawrev-2352	319	4	.	.	PROPN
inlawrev-2352	319	5	ind	ind	PROPN
inlawrev-2352	319	6	.	.	PUNCT
inlawrev-2352	319	7	1978	1978	NUM
inlawrev-2352	319	8	)	)	PUNCT
inlawrev-2352	319	9	.	.	PUNCT
inlawrev-2352	320	1	"	"	PUNCT
inlawrev-2352	320	2	m	m	VERB
inlawrev-2352	320	3	at	at	ADP
inlawrev-2352	320	4	635	635	NUM
inlawrev-2352	320	5	.	.	PUNCT
inlawrev-2352	320	6	''	''	PUNCT
inlawrev-2352	321	1	i	i	PRON
inlawrev-2352	321	2	d.	d.	PROPN
inlawrev-2352	321	3	1979	1979	NUM
inlawrev-2352	321	4	]	]	PUNCT
inlawrev-2352	321	5	conditional	conditional	ADJ
inlawrev-2352	321	6	receipts	receipt	NOUN
inlawrev-2352	321	7	793	793	NUM
inlawrev-2352	321	8	by	by	ADP
inlawrev-2352	321	9	the	the	DET
inlawrev-2352	321	10	company	company	NOUN
inlawrev-2352	321	11	.	.	PUNCT
inlawrev-2352	322	1	once	once	ADV
inlawrev-2352	322	2	again	again	ADV
inlawrev-2352	322	3	,	,	PUNCT
inlawrev-2352	322	4	this	this	PRON
inlawrev-2352	322	5	is	be	AUX
inlawrev-2352	322	6	an	an	DET
inlawrev-2352	322	7	example	example	NOUN
inlawrev-2352	322	8	of	of	ADP
inlawrev-2352	322	9	the	the	DET
inlawrev-2352	322	10	use	use	NOUN
inlawrev-2352	322	11	of	of	ADP
inlawrev-2352	322	12	the	the	DET
inlawrev-2352	322	13	approval	approval	NOUN
inlawrev-2352	322	14	receipt	receipt	NOUN
inlawrev-2352	322	15	theory	theory	NOUN
inlawrev-2352	322	16	to	to	PART
inlawrev-2352	322	17	interpret	interpret	VERB
inlawrev-2352	322	18	an	an	DET
inlawrev-2352	322	19	insurability	insurability	NOUN
inlawrev-2352	322	20	receipt	receipt	NOUN
inlawrev-2352	322	21	.	.	PUNCT
inlawrev-2352	323	1	correctly	correctly	ADV
inlawrev-2352	323	2	applied	apply	VERB
inlawrev-2352	323	3	to	to	ADP
inlawrev-2352	323	4	insurability	insurability	NOUN
inlawrev-2352	323	5	receipts	receipt	NOUN
inlawrev-2352	323	6	,	,	PUNCT
inlawrev-2352	323	7	the	the	DET
inlawrev-2352	323	8	condition	condition	NOUN
inlawrev-2352	323	9	precedent	precedent	NOUN
inlawrev-2352	323	10	theory	theory	NOUN
inlawrev-2352	323	11	means	mean	VERB
inlawrev-2352	323	12	that	that	SCONJ
inlawrev-2352	323	13	no	no	DET
inlawrev-2352	323	14	contract	contract	NOUN
inlawrev-2352	323	15	is	be	AUX
inlawrev-2352	323	16	formed	form	VERB
inlawrev-2352	323	17	unless	unless	SCONJ
inlawrev-2352	323	18	the	the	DET
inlawrev-2352	323	19	applicant	applicant	NOUN
inlawrev-2352	323	20	is	be	AUX
inlawrev-2352	323	21	determined	determine	VERB
inlawrev-2352	323	22	to	to	PART
inlawrev-2352	323	23	be	be	AUX
inlawrev-2352	323	24	insurable	insurable	ADJ
inlawrev-2352	323	25	,	,	PUNCT
inlawrev-2352	323	26	whereas	whereas	SCONJ
inlawrev-2352	323	27	the	the	DET
inlawrev-2352	323	28	condition	condition	NOUN
inlawrev-2352	323	29	subsequent	subsequent	ADJ
inlawrev-2352	323	30	theory	theory	NOUN
inlawrev-2352	323	31	means	mean	VERB
inlawrev-2352	323	32	that	that	SCONJ
inlawrev-2352	323	33	the	the	DET
inlawrev-2352	323	34	contract	contract	NOUN
inlawrev-2352	323	35	is	be	AUX
inlawrev-2352	323	36	formed	form	VERB
inlawrev-2352	323	37	immediately	immediately	ADV
inlawrev-2352	323	38	upon	upon	SCONJ
inlawrev-2352	323	39	payment	payment	NOUN
inlawrev-2352	323	40	of	of	ADP
inlawrev-2352	323	41	the	the	DET
inlawrev-2352	323	42	premium	premium	NOUN
inlawrev-2352	323	43	,	,	PUNCT
inlawrev-2352	323	44	with	with	ADP
inlawrev-2352	323	45	the	the	DET
inlawrev-2352	323	46	lack	lack	NOUN
inlawrev-2352	323	47	of	of	ADP
inlawrev-2352	323	48	insurability	insurability	NOUN
inlawrev-2352	323	49	being	be	AUX
inlawrev-2352	323	50	a	a	DET
inlawrev-2352	323	51	condition	condition	NOUN
inlawrev-2352	323	52	that	that	PRON
inlawrev-2352	323	53	would	would	AUX
inlawrev-2352	323	54	allow	allow	VERB
inlawrev-2352	323	55	the	the	DET
inlawrev-2352	323	56	company	company	NOUN
inlawrev-2352	323	57	to	to	PART
inlawrev-2352	323	58	cancel	cancel	VERB
inlawrev-2352	323	59	the	the	DET
inlawrev-2352	323	60	contract	contract	NOUN
inlawrev-2352	323	61	.	.	PUNCT
inlawrev-2352	324	1	under	under	ADP
inlawrev-2352	324	2	the	the	DET
inlawrev-2352	324	3	condition	condition	NOUN
inlawrev-2352	324	4	precedent	precedent	NOUN
inlawrev-2352	324	5	theory	theory	NOUN
inlawrev-2352	324	6	,	,	PUNCT
inlawrev-2352	324	7	the	the	DET
inlawrev-2352	324	8	company	company	NOUN
inlawrev-2352	324	9	is	be	AUX
inlawrev-2352	324	10	liable	liable	ADJ
inlawrev-2352	324	11	during	during	ADP
inlawrev-2352	324	12	the	the	DET
inlawrev-2352	324	13	interim	interim	NOUN
inlawrev-2352	324	14	between	between	ADP
inlawrev-2352	324	15	the	the	DET
inlawrev-2352	324	16	application	application	NOUN
inlawrev-2352	324	17	and	and	CCONJ
inlawrev-2352	324	18	a	a	DET
inlawrev-2352	324	19	determination	determination	NOUN
inlawrev-2352	324	20	of	of	ADP
inlawrev-2352	324	21	whether	whether	SCONJ
inlawrev-2352	324	22	the	the	DET
inlawrev-2352	324	23	applicant	applicant	NOUN
inlawrev-2352	324	24	is	be	AUX
inlawrev-2352	324	25	insurable	insurable	ADJ
inlawrev-2352	324	26	only	only	ADV
inlawrev-2352	324	27	if	if	SCONJ
inlawrev-2352	324	28	the	the	DET
inlawrev-2352	324	29	applicant	applicant	NOUN
inlawrev-2352	324	30	is	be	AUX
inlawrev-2352	324	31	determined	determine	VERB
inlawrev-2352	324	32	to	to	PART
inlawrev-2352	324	33	be	be	AUX
inlawrev-2352	324	34	insurable	insurable	ADJ
inlawrev-2352	324	35	.	.	PUNCT
inlawrev-2352	325	1	under	under	ADP
inlawrev-2352	325	2	the	the	DET
inlawrev-2352	325	3	condition	condition	NOUN
inlawrev-2352	325	4	subsequent	subsequent	ADJ
inlawrev-2352	325	5	theory	theory	NOUN
inlawrev-2352	325	6	,	,	PUNCT
inlawrev-2352	325	7	however	however	ADV
inlawrev-2352	325	8	,	,	PUNCT
inlawrev-2352	325	9	the	the	DET
inlawrev-2352	325	10	company	company	NOUN
inlawrev-2352	325	11	is	be	AUX
inlawrev-2352	325	12	liable	liable	ADJ
inlawrev-2352	325	13	during	during	ADP
inlawrev-2352	325	14	the	the	DET
inlawrev-2352	325	15	interim	interim	NOUN
inlawrev-2352	325	16	whether	whether	SCONJ
inlawrev-2352	325	17	the	the	DET
inlawrev-2352	325	18	applicant	applicant	NOUN
inlawrev-2352	325	19	was	be	AUX
inlawrev-2352	325	20	insurable	insurable	ADJ
inlawrev-2352	325	21	or	or	CCONJ
inlawrev-2352	325	22	uninsurable	uninsurable	ADJ
inlawrev-2352	325	23	.	.	PUNCT
inlawrev-2352	326	1	the	the	DET
inlawrev-2352	326	2	meding	mede	VERB
inlawrev-2352	326	3	court	court	NOUN
inlawrev-2352	326	4	mentioned	mention	VERB
inlawrev-2352	326	5	the	the	DET
inlawrev-2352	326	6	decision	decision	NOUN
inlawrev-2352	326	7	in	in	ADP
inlawrev-2352	326	8	vale	vale	NOUN
inlawrev-2352	326	9	,	,	PUNCT
inlawrev-2352	326	10	but	but	CCONJ
inlawrev-2352	326	11	it	it	PRON
inlawrev-2352	326	12	summarized	summarize	VERB
inlawrev-2352	326	13	the	the	DET
inlawrev-2352	326	14	decision	decision	NOUN
inlawrev-2352	326	15	in	in	ADP
inlawrev-2352	326	16	kaiser	kaiser	PROPN
inlawrev-2352	326	17	as	as	ADP
inlawrev-2352	326	18	representing	represent	VERB
inlawrev-2352	326	19	"	"	PUNCT
inlawrev-2352	326	20	the	the	DET
inlawrev-2352	326	21	strong	strong	ADJ
inlawrev-2352	326	22	public	public	ADJ
inlawrev-2352	326	23	policy	policy	NOUN
inlawrev-2352	326	24	in	in	ADP
inlawrev-2352	326	25	indiana	indiana	PROPN
inlawrev-2352	326	26	which	which	PRON
inlawrev-2352	326	27	prohibits	prohibit	VERB
inlawrev-2352	326	28	insurers	insurer	NOUN
inlawrev-2352	326	29	from	from	ADP
inlawrev-2352	326	30	accepting	accept	VERB
inlawrev-2352	326	31	premiums	premium	NOUN
inlawrev-2352	326	32	and	and	CCONJ
inlawrev-2352	326	33	then	then	ADV
inlawrev-2352	326	34	conditioning	condition	VERB
inlawrev-2352	326	35	the	the	DET
inlawrev-2352	326	36	receipts	receipt	NOUN
inlawrev-2352	326	37	to	to	PART
inlawrev-2352	326	38	prevent	prevent	VERB
inlawrev-2352	326	39	the	the	DET
inlawrev-2352	326	40	insurer	insurer	NOUN
inlawrev-2352	326	41	from	from	ADP
inlawrev-2352	326	42	incurring	incur	VERB
inlawrev-2352	326	43	any	any	DET
inlawrev-2352	326	44	risk	risk	NOUN
inlawrev-2352	326	45	during	during	ADP
inlawrev-2352	326	46	the	the	DET
inlawrev-2352	326	47	period	period	NOUN
inlawrev-2352	326	48	which	which	PRON
inlawrev-2352	326	49	it	it	PRON
inlawrev-2352	326	50	retains	retain	VERB
inlawrev-2352	326	51	an	an	DET
inlawrev-2352	326	52	applicant	applicant	NOUN
inlawrev-2352	326	53	's	's	PART
inlawrev-2352	326	54	premium	premium	NOUN
inlawrev-2352	326	55	.	.	PUNCT
inlawrev-2352	326	56	.	.	PUNCT
inlawrev-2352	326	57	.	.	PUNCT
inlawrev-2352	327	1	."^^	."^^	PROPN
inlawrev-2352	328	1	hakey	hakey	PROPN
inlawrev-2352	328	2	was	be	AUX
inlawrev-2352	328	3	characterized	characterize	VERB
inlawrev-2352	328	4	as	as	ADP
inlawrev-2352	328	5	having	having	AUX
inlawrev-2352	328	6	summarily	summarily	ADV
inlawrev-2352	328	7	affirmed	affirm	VERB
inlawrev-2352	328	8	kaiser	kaiser	PROPN
inlawrev-2352	328	9	and	and	CCONJ
inlawrev-2352	328	10	adopted	adopt	VERB
inlawrev-2352	328	11	the	the	DET
inlawrev-2352	328	12	condition	condition	NOUN
inlawrev-2352	328	13	subsequent	subsequent	ADJ
inlawrev-2352	328	14	theory.^	theory.^	NOUN
inlawrev-2352	328	15	"	"	PUNCT
inlawrev-2352	328	16	taken	take	VERB
inlawrev-2352	328	17	together	together	ADV
inlawrev-2352	328	18	,	,	PUNCT
inlawrev-2352	328	19	the	the	DET
inlawrev-2352	328	20	opinions	opinion	NOUN
inlawrev-2352	328	21	in	in	ADP
inlawrev-2352	328	22	hakey	hakey	PROPN
inlawrev-2352	328	23	and	and	CCONJ
inlawrev-2352	328	24	kaiser	kaiser	PROPN
inlawrev-2352	328	25	led	lead	VERB
inlawrev-2352	328	26	the	the	DET
inlawrev-2352	328	27	meding	mede	VERB
inlawrev-2352	328	28	court	court	NOUN
inlawrev-2352	328	29	to	to	PART
inlawrev-2352	328	30	observe	observe	VERB
inlawrev-2352	328	31	:	:	PUNCT
inlawrev-2352	328	32	'	'	PUNCT
inlawrev-2352	328	33	to	to	PART
inlawrev-2352	328	34	allow	allow	VERB
inlawrev-2352	328	35	insurers	insurer	NOUN
inlawrev-2352	328	36	to	to	PART
inlawrev-2352	328	37	disclaim	disclaim	VERB
inlawrev-2352	328	38	liability	liability	NOUN
inlawrev-2352	328	39	during	during	ADP
inlawrev-2352	328	40	the	the	DET
inlawrev-2352	328	41	interim	interim	ADJ
inlawrev-2352	328	42	period	period	NOUN
inlawrev-2352	328	43	before	before	ADP
inlawrev-2352	328	44	acceptance	acceptance	NOUN
inlawrev-2352	328	45	or	or	CCONJ
inlawrev-2352	328	46	rejection	rejection	NOUN
inlawrev-2352	328	47	of	of	ADP
inlawrev-2352	328	48	applicants	applicant	NOUN
inlawrev-2352	328	49	would	would	AUX
inlawrev-2352	328	50	enable	enable	VERB
inlawrev-2352	328	51	insurance	insurance	NOUN
inlawrev-2352	328	52	companies	company	NOUN
inlawrev-2352	328	53	to	to	PART
inlawrev-2352	328	54	collect	collect	VERB
inlawrev-2352	328	55	premiums	premium	NOUN
inlawrev-2352	328	56	for	for	ADP
inlawrev-2352	328	57	a	a	DET
inlawrev-2352	328	58	period	period	NOUN
inlawrev-2352	328	59	during	during	ADP
inlawrev-2352	328	60	which	which	PRON
inlawrev-2352	328	61	there	there	PRON
inlawrev-2352	328	62	was	be	VERB
inlawrev-2352	328	63	in	in	ADP
inlawrev-2352	328	64	fact	fact	NOUN
inlawrev-2352	328	65	no	no	DET
inlawrev-2352	328	66	insurance	insurance	NOUN
inlawrev-2352	328	67	,	,	PUNCT
inlawrev-2352	328	68	and	and	CCONJ
inlawrev-2352	328	69	consequently	consequently	ADV
inlawrev-2352	328	70	no	no	DET
inlawrev-2352	328	71	risk	risk	NOUN
inlawrev-2352	328	72	involved	involve	VERB
inlawrev-2352	328	73	.	.	PUNCT
inlawrev-2352	329	1	in	in	ADP
inlawrev-2352	329	2	short	short	ADJ
inlawrev-2352	329	3	,	,	PUNCT
inlawrev-2352	329	4	there	there	PRON
inlawrev-2352	329	5	is	be	VERB
inlawrev-2352	329	6	no	no	DET
inlawrev-2352	329	7	quid	quid	ADJ
inlawrev-2352	329	8	pro	pro	X
inlawrev-2352	329	9	quo	quo	NOUN
inlawrev-2352	329	10	.	.	PUNCT
inlawrev-2352	330	1	''^^	''^^	VERB
inlawrev-2352	330	2	the	the	DET
inlawrev-2352	330	3	court	court	NOUN
inlawrev-2352	330	4	's	's	PART
inlawrev-2352	330	5	observation	observation	NOUN
inlawrev-2352	330	6	may	may	AUX
inlawrev-2352	330	7	be	be	AUX
inlawrev-2352	330	8	literally	literally	ADV
inlawrev-2352	330	9	true	true	ADJ
inlawrev-2352	330	10	;	;	PUNCT
inlawrev-2352	330	11	there	there	PRON
inlawrev-2352	330	12	would	would	AUX
inlawrev-2352	330	13	be	be	AUX
inlawrev-2352	330	14	no	no	DET
inlawrev-2352	330	15	quid	quid	ADJ
inlawrev-2352	330	16	pro	pro	X
inlawrev-2352	330	17	quo	quo	NOUN
inlawrev-2352	330	18	if	if	SCONJ
inlawrev-2352	330	19	insurance	insurance	NOUN
inlawrev-2352	330	20	companies	company	NOUN
inlawrev-2352	330	21	disclaimed	disclaim	VERB
inlawrev-2352	330	22	all	all	DET
inlawrev-2352	330	23	liability	liability	NOUN
inlawrev-2352	330	24	prior	prior	ADV
inlawrev-2352	330	25	to	to	ADP
inlawrev-2352	330	26	acceptance	acceptance	NOUN
inlawrev-2352	330	27	or	or	CCONJ
inlawrev-2352	330	28	rejection	rejection	NOUN
inlawrev-2352	330	29	.	.	PUNCT
inlawrev-2352	331	1	where	where	SCONJ
inlawrev-2352	331	2	an	an	DET
inlawrev-2352	331	3	insurability	insurability	NOUN
inlawrev-2352	331	4	receipt	receipt	NOUN
inlawrev-2352	331	5	is	be	AUX
inlawrev-2352	331	6	given	give	VERB
inlawrev-2352	331	7	,	,	PUNCT
inlawrev-2352	331	8	however	however	ADV
inlawrev-2352	331	9	,	,	PUNCT
inlawrev-2352	331	10	the	the	DET
inlawrev-2352	331	11	insurer	insurer	NOUN
inlawrev-2352	331	12	does	do	AUX
inlawrev-2352	331	13	not	not	PART
inlawrev-2352	331	14	disclaim	disclaim	VERB
inlawrev-2352	331	15	all	all	DET
inlawrev-2352	331	16	liability	liability	NOUN
inlawrev-2352	331	17	.	.	PUNCT
inlawrev-2352	332	1	on	on	ADP
inlawrev-2352	332	2	the	the	DET
inlawrev-2352	332	3	contrary	contrary	NOUN
inlawrev-2352	332	4	,	,	PUNCT
inlawrev-2352	332	5	the	the	DET
inlawrev-2352	332	6	insurer	insurer	NOUN
inlawrev-2352	332	7	admits	admit	VERB
inlawrev-2352	332	8	to	to	ADP
inlawrev-2352	332	9	conditional	conditional	ADJ
inlawrev-2352	332	10	liability	liability	NOUN
inlawrev-2352	332	11	.	.	PUNCT
inlawrev-2352	333	1	iv	iv	X
inlawrev-2352	333	2	.	.	PUNCT
inlawrev-2352	334	1	an	an	DET
inlawrev-2352	334	2	alternative	alternative	ADJ
inlawrev-2352	334	3	approach	approach	NOUN
inlawrev-2352	334	4	before	before	ADP
inlawrev-2352	334	5	granting	grant	VERB
inlawrev-2352	334	6	the	the	DET
inlawrev-2352	334	7	plaintiffs	plaintiff	NOUN
inlawrev-2352	334	8	motion	motion	NOUN
inlawrev-2352	334	9	for	for	ADP
inlawrev-2352	334	10	summary	summary	NOUN
inlawrev-2352	334	11	judgment	judgment	NOUN
inlawrev-2352	334	12	,	,	PUNCT
inlawrev-2352	334	13	the	the	DET
inlawrev-2352	334	14	meding	mede	VERB
inlawrev-2352	334	15	court	court	NOUN
inlawrev-2352	334	16	distinguished	distinguish	VERB
inlawrev-2352	334	17	thome	thome	PROPN
inlawrev-2352	334	18	v.	v.	ADP
inlawrev-2352	334	19	aetna	aetna	PROPN
inlawrev-2352	334	20	life	life	PROPN
inlawrev-2352	334	21	insurance	insurance	NOUN
inlawrev-2352	334	22	co.^^	co.^^	NOUN
inlawrev-2352	334	23	in	in	ADP
inlawrev-2352	334	24	thome	thome	PROPN
inlawrev-2352	334	25	,	,	PUNCT
inlawrev-2352	334	26	the	the	DET
inlawrev-2352	334	27	applicant	applicant	NOUN
inlawrev-2352	334	28	had	have	AUX
inlawrev-2352	334	29	completed	complete	VERB
inlawrev-2352	334	30	the	the	DET
inlawrev-2352	334	31	application	application	NOUN
inlawrev-2352	334	32	,	,	PUNCT
inlawrev-2352	334	33	paid	pay	VERB
inlawrev-2352	334	34	the	the	DET
inlawrev-2352	334	35	agent	agent	NOUN
inlawrev-2352	334	36	,	,	PUNCT
inlawrev-2352	334	37	and	and	CCONJ
inlawrev-2352	334	38	received	receive	VERB
inlawrev-2352	334	39	a	a	DET
inlawrev-2352	334	40	conditional	conditional	ADJ
inlawrev-2352	334	41	receipt	receipt	NOUN
inlawrev-2352	334	42	stating	state	VERB
inlawrev-2352	334	43	that	that	SCONJ
inlawrev-2352	334	44	coverage	coverage	NOUN
inlawrev-2352	334	45	would	would	AUX
inlawrev-2352	334	46	be	be	AUX
inlawrev-2352	334	47	effective	effective	ADJ
inlawrev-2352	334	48	as	as	ADP
inlawrev-2352	334	49	of	of	ADP
inlawrev-2352	334	50	the	the	DET
inlawrev-2352	334	51	date	date	NOUN
inlawrev-2352	334	52	of	of	ADP
inlawrev-2352	334	53	the	the	DET
inlawrev-2352	334	54	medical	medical	ADJ
inlawrev-2352	334	55	examination	examination	NOUN
inlawrev-2352	334	56	"	"	PUNCT
inlawrev-2352	334	57	provided	provide	VERB
inlawrev-2352	334	58	the	the	DET
inlawrev-2352	334	59	company	company	NOUN
inlawrev-2352	334	60	shall	shall	AUX
inlawrev-2352	334	61	be	be	AUX
inlawrev-2352	334	62	satisfied	satisfied	ADJ
inlawrev-2352	334	63	that	that	SCONJ
inlawrev-2352	334	64	on	on	ADP
inlawrev-2352	334	65	said	say	VERB
inlawrev-2352	334	66	date	date	NOUN
inlawrev-2352	334	67	the	the	DET
inlawrev-2352	334	68	applicant	applicant	NOUN
inlawrev-2352	334	69	was	be	AUX
inlawrev-2352	334	70	insurable	insurable	ADJ
inlawrev-2352	334	71	as	as	ADP
inlawrev-2352	334	72	a	a	DET
inlawrev-2352	334	73	standard	standard	ADJ
inlawrev-2352	334	74	risk	risk	NOUN
inlawrev-2352	334	75	.	.	PUNCT
inlawrev-2352	335	1	.	.	PUNCT
inlawrev-2352	336	1	,	,	PUNCT
inlawrev-2352	336	2	."*^	."*^	PROPN
inlawrev-2352	336	3	the	the	DET
inlawrev-2352	336	4	applicant	applicant	NOUN
inlawrev-2352	336	5	had	have	VERB
inlawrev-2352	336	6	repeatedly	repeatedly	ADV
inlawrev-2352	336	7	''	''	PUNCT
inlawrev-2352	336	8	i	i	PROPN
inlawrev-2352	336	9	d.	d.	PROPN
inlawrev-2352	336	10	at	at	ADP
inlawrev-2352	336	11	636	636	NUM
inlawrev-2352	336	12	.	.	PUNCT
inlawrev-2352	336	13	''	''	PUNCT
inlawrev-2352	337	1	i	i	PRON
inlawrev-2352	337	2	d.	d.	PROPN
inlawrev-2352	337	3	at	at	ADP
inlawrev-2352	337	4	636	636	NUM
inlawrev-2352	337	5	-	-	SYM
inlawrev-2352	337	6	37	37	NUM
inlawrev-2352	337	7	.	.	PUNCT
inlawrev-2352	338	1	«	«	PUNCT
inlawrev-2352	338	2	m07	m07	PROPN
inlawrev-2352	338	3	f.2(i	f.2(i	PROPN
inlawrev-2352	338	4	809	809	NUM
inlawrev-2352	338	5	(	(	PUNCT
inlawrev-2352	338	6	7th	7th	ADJ
inlawrev-2352	338	7	cir	cir	NOUN
inlawrev-2352	338	8	.	.	PROPN
inlawrev-2352	338	9	1969	1969	NUM
inlawrev-2352	338	10	)	)	PUNCT
inlawrev-2352	338	11	,	,	PUNCT
inlawrev-2352	338	12	affg	affg	PROPN
inlawrev-2352	338	13	286	286	NUM
inlawrev-2352	338	14	f.	f.	PROPN
inlawrev-2352	338	15	supp	supp	PROPN
inlawrev-2352	338	16	.	.	PUNCT
inlawrev-2352	339	1	620	620	NUM
inlawrev-2352	339	2	(	(	PUNCT
inlawrev-2352	339	3	n.d	n.d	PROPN
inlawrev-2352	339	4	.	.	PROPN
inlawrev-2352	339	5	ind	ind	PROPN
inlawrev-2352	339	6	.	.	PUNCT
inlawrev-2352	339	7	1968	1968	NUM
inlawrev-2352	339	8	)	)	PUNCT
inlawrev-2352	339	9	.	.	PUNCT
inlawrev-2352	340	1	«	«	PUNCT
inlawrev-2352	340	2	«	«	PUNCT
inlawrev-2352	340	3	407	407	NUM
inlawrev-2352	340	4	f.2d	f.2d	NOUN
inlawrev-2352	340	5	at	at	ADP
inlawrev-2352	340	6	810	810	NUM
inlawrev-2352	340	7	.	.	PUNCT
inlawrev-2352	341	1	794	794	NUM
inlawrev-2352	341	2	indiana	indiana	PROPN
inlawrev-2352	341	3	la	la	PROPN
inlawrev-2352	341	4	w	w	PROPN
inlawrev-2352	341	5	review	review	PROPN
inlawrev-2352	341	6	[	[	X
inlawrev-2352	341	7	vol	vol	NOUN
inlawrev-2352	341	8	.	.	PUNCT
inlawrev-2352	342	1	12:777	12:777	NUM
inlawrev-2352	342	2	broken	break	VERB
inlawrev-2352	342	3	appointments	appointment	NOUN
inlawrev-2352	342	4	for	for	ADP
inlawrev-2352	342	5	his	his	PRON
inlawrev-2352	342	6	physical	physical	ADJ
inlawrev-2352	342	7	examination	examination	NOUN
inlawrev-2352	342	8	.	.	PUNCT
inlawrev-2352	343	1	he	he	PRON
inlawrev-2352	343	2	died	die	VERB
inlawrev-2352	343	3	in	in	ADP
inlawrev-2352	343	4	an	an	DET
inlawrev-2352	343	5	airplane	airplane	NOUN
inlawrev-2352	343	6	crash	crash	NOUN
inlawrev-2352	343	7	without	without	ADP
inlawrev-2352	343	8	ever	ever	ADV
inlawrev-2352	343	9	having	having	AUX
inlawrev-2352	343	10	taken	take	VERB
inlawrev-2352	343	11	his	his	PRON
inlawrev-2352	343	12	examination	examination	NOUN
inlawrev-2352	343	13	.	.	PUNCT
inlawrev-2352	344	1	the	the	DET
inlawrev-2352	344	2	district	district	NOUN
inlawrev-2352	344	3	court	court	NOUN
inlawrev-2352	344	4	concluded	conclude	VERB
inlawrev-2352	344	5	that	that	SCONJ
inlawrev-2352	344	6	the	the	DET
inlawrev-2352	344	7	contract	contract	NOUN
inlawrev-2352	344	8	was	be	AUX
inlawrev-2352	344	9	never	never	ADV
inlawrev-2352	344	10	formed	form	VERB
inlawrev-2352	344	11	,	,	PUNCT
inlawrev-2352	344	12	®	®	NOUN
inlawrev-2352	344	13	*	*	PUNCT
inlawrev-2352	344	14	and	and	CCONJ
inlawrev-2352	344	15	the	the	DET
inlawrev-2352	344	16	circuit	circuit	NOUN
inlawrev-2352	344	17	court	court	PROPN
inlawrev-2352	344	18	affirmed.	affirmed.	PROPN
inlawrev-2352	344	19	®	®	PROPN
inlawrev-2352	344	20	^	^	PUNCT
inlawrev-2352	344	21	the	the	DET
inlawrev-2352	344	22	district	district	NOUN
inlawrev-2352	344	23	court	court	NOUN
inlawrev-2352	344	24	discussed	discuss	VERB
inlawrev-2352	344	25	both	both	CCONJ
inlawrev-2352	344	26	vale	vale	ADJ
inlawrev-2352	344	27	and	and	CCONJ
inlawrev-2352	344	28	lamme	lamme	NOUN
inlawrev-2352	344	29	and	and	CCONJ
inlawrev-2352	344	30	,	,	PUNCT
inlawrev-2352	344	31	although	although	SCONJ
inlawrev-2352	344	32	it	it	PRON
inlawrev-2352	344	33	apparently	apparently	ADV
inlawrev-2352	344	34	agreed	agree	VERB
inlawrev-2352	344	35	with	with	ADP
inlawrev-2352	344	36	the	the	DET
inlawrev-2352	344	37	policies	policy	NOUN
inlawrev-2352	344	38	expressed	express	VERB
inlawrev-2352	344	39	in	in	ADP
inlawrev-2352	344	40	those	those	DET
inlawrev-2352	344	41	cases	case	NOUN
inlawrev-2352	344	42	,	,	PUNCT
inlawrev-2352	344	43	found	find	VERB
inlawrev-2352	344	44	that	that	SCONJ
inlawrev-2352	344	45	those	those	DET
inlawrev-2352	344	46	policies	policy	NOUN
inlawrev-2352	344	47	did	do	AUX
inlawrev-2352	344	48	not	not	PART
inlawrev-2352	344	49	preclude	preclude	VERB
inlawrev-2352	344	50	a	a	DET
inlawrev-2352	344	51	finding	finding	NOUN
inlawrev-2352	344	52	in	in	ADP
inlawrev-2352	344	53	favor	favor	NOUN
inlawrev-2352	344	54	of	of	ADP
inlawrev-2352	344	55	the	the	DET
inlawrev-2352	344	56	insurer	insurer	NOUN
inlawrev-2352	344	57	.	.	PUNCT
inlawrev-2352	345	1	®	®	NOUN
inlawrev-2352	345	2	®	®	NOUN
inlawrev-2352	345	3	interestingly	interestingly	ADV
inlawrev-2352	345	4	,	,	PUNCT
inlawrev-2352	345	5	the	the	DET
inlawrev-2352	345	6	district	district	NOUN
inlawrev-2352	345	7	court	court	NOUN
inlawrev-2352	345	8	distinguished	distinguish	VERB
inlawrev-2352	345	9	lamme	lamme	NOUN
inlawrev-2352	345	10	since	since	SCONJ
inlawrev-2352	345	11	lamme	lamme	NOUN
inlawrev-2352	345	12	found	find	VERB
inlawrev-2352	345	13	that	that	SCONJ
inlawrev-2352	345	14	the	the	DET
inlawrev-2352	345	15	conditions	condition	NOUN
inlawrev-2352	345	16	in	in	ADP
inlawrev-2352	345	17	the	the	DET
inlawrev-2352	345	18	receipt	receipt	NOUN
inlawrev-2352	345	19	were	be	AUX
inlawrev-2352	345	20	not	not	PART
inlawrev-2352	345	21	understandable	understandable	ADJ
inlawrev-2352	345	22	"	"	PUNCT
inlawrev-2352	345	23	by	by	ADP
inlawrev-2352	345	24	the	the	DET
inlawrev-2352	345	25	ordinary	ordinary	ADJ
inlawrev-2352	345	26	applicant	applicant	NOUN
inlawrev-2352	345	27	,	,	PUNCT
inlawrev-2352	345	28	absent	absent	ADJ
inlawrev-2352	345	29	an	an	DET
inlawrev-2352	345	30	explanation	explanation	NOUN
inlawrev-2352	345	31	of	of	ADP
inlawrev-2352	345	32	their	their	PRON
inlawrev-2352	345	33	meaning"^	meaning"^	NOUN
inlawrev-2352	345	34	''	''	PUNCT
inlawrev-2352	345	35	the	the	DET
inlawrev-2352	345	36	applicant	applicant	NOUN
inlawrev-2352	345	37	in	in	ADP
inlawrev-2352	345	38	thome	thome	PROPN
inlawrev-2352	345	39	was	be	AUX
inlawrev-2352	345	40	not	not	PART
inlawrev-2352	345	41	an	an	DET
inlawrev-2352	345	42	ordinary	ordinary	ADJ
inlawrev-2352	345	43	applicant	applicant	NOUN
inlawrev-2352	345	44	.	.	PUNCT
inlawrev-2352	346	1	he	he	PRON
inlawrev-2352	346	2	was	be	AUX
inlawrev-2352	346	3	a	a	DET
inlawrev-2352	346	4	"	"	PUNCT
inlawrev-2352	346	5	man	man	NOUN
inlawrev-2352	346	6	of	of	ADP
inlawrev-2352	346	7	considerable	considerable	ADJ
inlawrev-2352	346	8	business	business	NOUN
inlawrev-2352	346	9	acumen	acuman	NOUN
inlawrev-2352	346	10	and	and	CCONJ
inlawrev-2352	346	11	experience	experience	NOUN
inlawrev-2352	346	12	"	"	PUNCT
inlawrev-2352	346	13	®	®	NOUN
inlawrev-2352	346	14	®	®	NOUN
inlawrev-2352	346	15	who	who	PRON
inlawrev-2352	346	16	had	have	AUX
inlawrev-2352	346	17	been	be	AUX
inlawrev-2352	346	18	informed	inform	VERB
inlawrev-2352	346	19	that	that	SCONJ
inlawrev-2352	346	20	he	he	PRON
inlawrev-2352	346	21	was	be	AUX
inlawrev-2352	346	22	probably	probably	ADV
inlawrev-2352	346	23	not	not	PART
inlawrev-2352	346	24	a	a	DET
inlawrev-2352	346	25	standard	standard	ADJ
inlawrev-2352	346	26	risk	risk	NOUN
inlawrev-2352	346	27	®	®	NOUN
inlawrev-2352	346	28	®	®	NOUN
inlawrev-2352	346	29	and	and	CCONJ
inlawrev-2352	346	30	that	that	SCONJ
inlawrev-2352	346	31	he	he	PRON
inlawrev-2352	346	32	would	would	AUX
inlawrev-2352	346	33	not	not	PART
inlawrev-2352	346	34	be	be	AUX
inlawrev-2352	346	35	covered	cover	VERB
inlawrev-2352	346	36	unless	unless	SCONJ
inlawrev-2352	346	37	the	the	DET
inlawrev-2352	346	38	physical	physical	ADJ
inlawrev-2352	346	39	exam	exam	NOUN
inlawrev-2352	346	40	was	be	AUX
inlawrev-2352	346	41	completed	complete	VERB
inlawrev-2352	346	42	.	.	PUNCT
inlawrev-2352	347	1	®	®	NOUN
inlawrev-2352	347	2	"	"	PUNCT
inlawrev-2352	347	3	clearly	clearly	ADV
inlawrev-2352	347	4	,	,	PUNCT
inlawrev-2352	347	5	there	there	PRON
inlawrev-2352	347	6	was	be	VERB
inlawrev-2352	347	7	no	no	DET
inlawrev-2352	347	8	question	question	NOUN
inlawrev-2352	347	9	of	of	ADP
inlawrev-2352	347	10	misunderstanding	misunderstanding	NOUN
inlawrev-2352	347	11	on	on	ADP
inlawrev-2352	347	12	the	the	DET
inlawrev-2352	347	13	part	part	NOUN
inlawrev-2352	347	14	of	of	ADP
inlawrev-2352	347	15	the	the	DET
inlawrev-2352	347	16	applicant	applicant	NOUN
inlawrev-2352	347	17	in	in	ADP
inlawrev-2352	347	18	this	this	DET
inlawrev-2352	347	19	case	case	NOUN
inlawrev-2352	347	20	.	.	PUNCT
inlawrev-2352	348	1	the	the	DET
inlawrev-2352	348	2	district	district	NOUN
inlawrev-2352	348	3	court	court	NOUN
inlawrev-2352	348	4	also	also	ADV
inlawrev-2352	348	5	determined	determine	VERB
inlawrev-2352	348	6	that	that	SCONJ
inlawrev-2352	348	7	the	the	DET
inlawrev-2352	348	8	terms	term	NOUN
inlawrev-2352	348	9	of	of	ADP
inlawrev-2352	348	10	the	the	DET
inlawrev-2352	348	11	conditional	conditional	ADJ
inlawrev-2352	348	12	receipt	receipt	NOUN
inlawrev-2352	348	13	should	should	AUX
inlawrev-2352	348	14	have	have	AUX
inlawrev-2352	348	15	been	be	AUX
inlawrev-2352	348	16	construed	construe	VERB
inlawrev-2352	348	17	to	to	PART
inlawrev-2352	348	18	mean	mean	VERB
inlawrev-2352	348	19	that	that	SCONJ
inlawrev-2352	348	20	if	if	SCONJ
inlawrev-2352	348	21	the	the	DET
inlawrev-2352	348	22	applicant	applicant	NOUN
inlawrev-2352	348	23	was	be	AUX
inlawrev-2352	348	24	insurable	insurable	ADJ
inlawrev-2352	348	25	,	,	PUNCT
inlawrev-2352	348	26	coverage	coverage	NOUN
inlawrev-2352	348	27	would	would	AUX
inlawrev-2352	348	28	have	have	AUX
inlawrev-2352	348	29	been	be	AUX
inlawrev-2352	348	30	in	in	ADP
inlawrev-2352	348	31	effect.	effect.	ADJ
inlawrev-2352	348	32	®	®	NOUN
inlawrev-2352	348	33	^	^	PUNCT
inlawrev-2352	348	34	in	in	ADP
inlawrev-2352	348	35	other	other	ADJ
inlawrev-2352	348	36	words	word	NOUN
inlawrev-2352	348	37	,	,	PUNCT
inlawrev-2352	348	38	the	the	DET
inlawrev-2352	348	39	condition	condition	NOUN
inlawrev-2352	348	40	precedent	precedent	NOUN
inlawrev-2352	348	41	to	to	PART
inlawrev-2352	348	42	formation	formation	NOUN
inlawrev-2352	348	43	of	of	ADP
inlawrev-2352	348	44	the	the	DET
inlawrev-2352	348	45	contract	contract	NOUN
inlawrev-2352	348	46	was	be	AUX
inlawrev-2352	348	47	not	not	PART
inlawrev-2352	348	48	whether	whether	SCONJ
inlawrev-2352	348	49	the	the	DET
inlawrev-2352	348	50	examination	examination	NOUN
inlawrev-2352	348	51	was	be	AUX
inlawrev-2352	348	52	taken	take	VERB
inlawrev-2352	348	53	or	or	CCONJ
inlawrev-2352	348	54	whether	whether	SCONJ
inlawrev-2352	348	55	the	the	DET
inlawrev-2352	348	56	company	company	NOUN
inlawrev-2352	348	57	was	be	AUX
inlawrev-2352	348	58	satisfied	satisfied	ADJ
inlawrev-2352	348	59	as	as	ADP
inlawrev-2352	348	60	to	to	ADP
inlawrev-2352	348	61	the	the	DET
inlawrev-2352	348	62	applicant	applicant	NOUN
inlawrev-2352	348	63	's	's	PART
inlawrev-2352	348	64	insurability	insurability	NOUN
inlawrev-2352	348	65	,	,	PUNCT
inlawrev-2352	348	66	but	but	CCONJ
inlawrev-2352	348	67	whether	whether	SCONJ
inlawrev-2352	348	68	the	the	DET
inlawrev-2352	348	69	applicant	applicant	NOUN
inlawrev-2352	348	70	was	be	AUX
inlawrev-2352	348	71	in	in	ADP
inlawrev-2352	348	72	fact	fact	NOUN
inlawrev-2352	348	73	insurable	insurable	ADJ
inlawrev-2352	348	74	by	by	ADP
inlawrev-2352	348	75	an	an	DET
inlawrev-2352	348	76	objective	objective	ADJ
inlawrev-2352	348	77	standard	standard	NOUN
inlawrev-2352	348	78	.	.	PUNCT
inlawrev-2352	349	1	the	the	DET
inlawrev-2352	349	2	district	district	NOUN
inlawrev-2352	349	3	court	court	NOUN
inlawrev-2352	349	4	noted	note	VERB
inlawrev-2352	349	5	that	that	SCONJ
inlawrev-2352	349	6	such	such	DET
inlawrev-2352	349	7	an	an	DET
inlawrev-2352	349	8	interpretation	interpretation	NOUN
inlawrev-2352	349	9	was	be	AUX
inlawrev-2352	349	10	the	the	DET
inlawrev-2352	349	11	only	only	ADJ
inlawrev-2352	349	12	one	one	NUM
inlawrev-2352	349	13	"	"	PUNCT
inlawrev-2352	349	14	which	which	PRON
inlawrev-2352	349	15	does	do	VERB
inlawrev-2352	349	16	substantial	substantial	ADJ
inlawrev-2352	349	17	justice	justice	NOUN
inlawrev-2352	349	18	both	both	CCONJ
inlawrev-2352	349	19	to	to	ADP
inlawrev-2352	349	20	the	the	DET
inlawrev-2352	349	21	applicant	applicant	NOUN
inlawrev-2352	349	22	and	and	CCONJ
inlawrev-2352	349	23	to	to	ADP
inlawrev-2352	349	24	the	the	DET
inlawrev-2352	349	25	company	company	NOUN
inlawrev-2352	349	26	.	.	PUNCT
inlawrev-2352	350	1	"	"	PUNCT
inlawrev-2352	350	2	®	®	NOUN
inlawrev-2352	350	3	^	^	PUNCT
inlawrev-2352	350	4	the	the	DET
inlawrev-2352	350	5	court	court	NOUN
inlawrev-2352	350	6	also	also	ADV
inlawrev-2352	350	7	stated	state	VERB
inlawrev-2352	350	8	:	:	PUNCT
inlawrev-2352	350	9	"	"	PUNCT
inlawrev-2352	350	10	similar	similar	ADJ
inlawrev-2352	350	11	results	result	NOUN
inlawrev-2352	350	12	have	have	AUX
inlawrev-2352	350	13	been	be	AUX
inlawrev-2352	350	14	reached	reach	VERB
inlawrev-2352	350	15	in	in	ADP
inlawrev-2352	350	16	a	a	DET
inlawrev-2352	350	17	number	number	NOUN
inlawrev-2352	350	18	of	of	ADP
inlawrev-2352	350	19	well	well	ADV
inlawrev-2352	350	20	-	-	PUNCT
inlawrev-2352	350	21	reasoned	reason	VERB
inlawrev-2352	350	22	cases	case	NOUN
inlawrev-2352	350	23	generally	generally	ADV
inlawrev-2352	350	24	following	follow	VERB
inlawrev-2352	350	25	the	the	DET
inlawrev-2352	350	26	principles	principle	NOUN
inlawrev-2352	350	27	announced	announce	VERB
inlawrev-2352	350	28	in	in	ADP
inlawrev-2352	350	29	vale	vale	NOUN
inlawrev-2352	350	30	.	.	PUNCT
inlawrev-2352	351	1	''^^	''^^	VERB
inlawrev-2352	351	2	the	the	DET
inlawrev-2352	351	3	circuit	circuit	NOUN
inlawrev-2352	351	4	court	court	NOUN
inlawrev-2352	351	5	,	,	PUNCT
inlawrev-2352	351	6	on	on	ADP
inlawrev-2352	351	7	the	the	DET
inlawrev-2352	351	8	other	other	ADJ
inlawrev-2352	351	9	hand	hand	NOUN
inlawrev-2352	351	10	,	,	PUNCT
inlawrev-2352	351	11	would	would	AUX
inlawrev-2352	351	12	not	not	PART
inlawrev-2352	351	13	have	have	AUX
inlawrev-2352	351	14	allowed	allow	VERB
inlawrev-2352	351	15	the	the	DET
inlawrev-2352	351	16	plaintiff	plaintiff	NOUN
inlawrev-2352	351	17	to	to	PART
inlawrev-2352	351	18	show	show	VERB
inlawrev-2352	351	19	that	that	SCONJ
inlawrev-2352	351	20	the	the	DET
inlawrev-2352	351	21	applicant	applicant	NOUN
inlawrev-2352	351	22	was	be	AUX
inlawrev-2352	351	23	insurable	insurable	ADJ
inlawrev-2352	351	24	.	.	PUNCT
inlawrev-2352	352	1	rather	rather	ADV
inlawrev-2352	352	2	,	,	PUNCT
inlawrev-2352	352	3	it	it	PRON
inlawrev-2352	352	4	held	hold	VERB
inlawrev-2352	352	5	that	that	SCONJ
inlawrev-2352	352	6	in	in	ADP
inlawrev-2352	352	7	the	the	DET
inlawrev-2352	352	8	absence	absence	NOUN
inlawrev-2352	352	9	of	of	ADP
inlawrev-2352	352	10	the	the	DET
inlawrev-2352	352	11	required	require	VERB
inlawrev-2352	352	12	medical	medical	ADJ
inlawrev-2352	352	13	exam	exam	NOUN
inlawrev-2352	352	14	,	,	PUNCT
inlawrev-2352	352	15	the	the	DET
inlawrev-2352	352	16	applicant	applicant	NOUN
inlawrev-2352	352	17	was	be	AUX
inlawrev-2352	352	18	not	not	PART
inlawrev-2352	352	19	covered	cover	VERB
inlawrev-2352	352	20	because	because	SCONJ
inlawrev-2352	352	21	he	he	PRON
inlawrev-2352	352	22	had	have	AUX
inlawrev-2352	352	23	made	make	VERB
inlawrev-2352	352	24	a	a	DET
inlawrev-2352	352	25	determination	determination	NOUN
inlawrev-2352	352	26	of	of	ADP
inlawrev-2352	352	27	insurability	insurability	NOUN
inlawrev-2352	352	28	impossible	impossible	ADJ
inlawrev-2352	352	29	by	by	ADP
inlawrev-2352	352	30	his	his	PRON
inlawrev-2352	352	31	refusal	refusal	NOUN
inlawrev-2352	352	32	to	to	PART
inlawrev-2352	352	33	take	take	VERB
inlawrev-2352	352	34	the	the	DET
inlawrev-2352	352	35	examination	examination	NOUN
inlawrev-2352	352	36	.	.	PUNCT
inlawrev-2352	353	1	®	®	NOUN
inlawrev-2352	353	2	*	*	PUNCT
inlawrev-2352	353	3	the	the	DET
inlawrev-2352	353	4	circuit	circuit	NOUN
inlawrev-2352	353	5	court	court	NOUN
inlawrev-2352	353	6	expressly	expressly	ADV
inlawrev-2352	353	7	declined	decline	VERB
inlawrev-2352	353	8	to	to	PART
inlawrev-2352	353	9	decide	decide	VERB
inlawrev-2352	353	10	"	"	PUNCT
inlawrev-2352	353	11	whether	whether	SCONJ
inlawrev-2352	353	12	indiana	indiana	PROPN
inlawrev-2352	353	13	law	law	NOUN
inlawrev-2352	353	14	requires	require	VERB
inlawrev-2352	353	15	that	that	SCONJ
inlawrev-2352	353	16	a	a	DET
inlawrev-2352	353	17	similarly	similarly	ADV
inlawrev-2352	353	18	situated	situated	ADJ
inlawrev-2352	353	19	plaintiff	plaintiff	NOUN
inlawrev-2352	353	20	be	be	AUX
inlawrev-2352	353	21	permitted	permit	VERB
inlawrev-2352	353	22	to	to	PART
inlawrev-2352	353	23	show	show	VERB
inlawrev-2352	353	24	that	that	SCONJ
inlawrev-2352	353	25	the	the	DET
inlawrev-2352	353	26	deceased	deceased	ADJ
inlawrev-2352	353	27	was	be	AUX
inlawrev-2352	353	28	insurable	insurable	ADJ
inlawrev-2352	353	29	even	even	ADV
inlawrev-2352	353	30	though	though	SCONJ
inlawrev-2352	353	31	he	he	PRON
inlawrev-2352	353	32	did	do	AUX
inlawrev-2352	353	33	not	not	PART
inlawrev-2352	353	34	take	take	VERB
inlawrev-2352	353	35	a	a	DET
inlawrev-2352	353	36	medical	medical	ADJ
inlawrev-2352	353	37	examination	examination	NOUN
inlawrev-2352	353	38	.	.	PUNCT
inlawrev-2352	354	1	"	"	PUNCT
inlawrev-2352	354	2	®	®	NOUN
inlawrev-2352	354	3	^	^	PUNCT
inlawrev-2352	354	4	«	«	PUNCT
inlawrev-2352	354	5	*	*	PROPN
inlawrev-2352	354	6	286	286	NUM
inlawrev-2352	354	7	f.	f.	PROPN
inlawrev-2352	354	8	supp	supp	PROPN
inlawrev-2352	354	9	.	.	PUNCT
inlawrev-2352	355	1	at	at	ADP
inlawrev-2352	355	2	624	624	NUM
inlawrev-2352	355	3	.	.	PUNCT
inlawrev-2352	356	1	«	«	PUNCT
inlawrev-2352	356	2	^407	^407	X
inlawrev-2352	356	3	f.2d	f.2d	X
inlawrev-2352	356	4	at	at	ADP
inlawrev-2352	356	5	811	811	NUM
inlawrev-2352	356	6	.	.	PUNCT
inlawrev-2352	356	7	^'286	^'286	NUM
inlawrev-2352	356	8	f.	f.	PROPN
inlawrev-2352	356	9	supp	supp	PROPN
inlawrev-2352	356	10	.	.	PUNCT
inlawrev-2352	357	1	at	at	ADP
inlawrev-2352	357	2	625	625	NUM
inlawrev-2352	357	3	.	.	PUNCT
inlawrev-2352	357	4	'	'	PUNCT
inlawrev-2352	357	5	ud	ud	INTJ
inlawrev-2352	357	6	.	.	PUNCT
inlawrev-2352	358	1	"	"	PUNCT
inlawrev-2352	358	2	"	"	PUNCT
inlawrev-2352	358	3	i	i	PRON
inlawrev-2352	358	4	d.	d.	PROPN
inlawrev-2352	358	5	at	at	ADP
inlawrev-2352	358	6	623	623	NUM
inlawrev-2352	358	7	.	.	PUNCT
inlawrev-2352	358	8	''	''	PUNCT
inlawrev-2352	359	1	i	i	PRON
inlawrev-2352	359	2	d.	d.	PROPN
inlawrev-2352	359	3	"	"	PUNCT
inlawrev-2352	359	4	"	"	PUNCT
inlawrev-2352	359	5	i	i	PRON
inlawrev-2352	359	6	d.	d.	PROPN
inlawrev-2352	359	7	at	at	ADP
inlawrev-2352	359	8	622	622	NUM
inlawrev-2352	359	9	.	.	PUNCT
inlawrev-2352	359	10	''	''	PUNCT
inlawrev-2352	360	1	i	i	PROPN
inlawrev-2352	360	2	d	d	PROPN
inlawrev-2352	360	3	,	,	PUNCT
inlawrev-2352	360	4	at	at	ADP
inlawrev-2352	360	5	626	626	NUM
inlawrev-2352	360	6	.	.	PUNCT
inlawrev-2352	360	7	''	''	PUNCT
inlawrev-2352	361	1	i	i	PRON
inlawrev-2352	361	2	d.	d.	PROPN
inlawrev-2352	361	3	''	''	PUNCT
inlawrev-2352	361	4	i	i	PROPN
inlawrev-2352	361	5	d.	d.	PROPN
inlawrev-2352	361	6	at	at	ADP
inlawrev-2352	361	7	626	626	NUM
inlawrev-2352	361	8	n.5	n.5	NOUN
inlawrev-2352	361	9	.	.	PUNCT
inlawrev-2352	361	10	^*407	^*407	PUNCT
inlawrev-2352	362	1	f.2d	f.2d	PUNCT
inlawrev-2352	362	2	at	at	ADP
inlawrev-2352	362	3	811	811	NUM
inlawrev-2352	362	4	.	.	PUNCT
inlawrev-2352	363	1	"	"	PUNCT
inlawrev-2352	363	2	i	i	PRON
inlawrev-2352	363	3	d.	d.	PROPN
inlawrev-2352	363	4	1979	1979	NUM
inlawrev-2352	363	5	]	]	PUNCT
inlawrev-2352	363	6	conditional	conditional	ADJ
inlawrev-2352	363	7	receipts	receipt	NOUN
inlawrev-2352	363	8	795	795	NUM
inlawrev-2352	363	9	as	as	SCONJ
inlawrev-2352	363	10	the	the	DET
inlawrev-2352	363	11	meding	meding	NOUN
inlawrev-2352	363	12	court	court	NOUN
inlawrev-2352	363	13	observed	observe	VERB
inlawrev-2352	363	14	,	,	PUNCT
inlawrev-2352	363	15	the	the	DET
inlawrev-2352	363	16	facts	fact	NOUN
inlawrev-2352	363	17	in	in	ADP
inlawrev-2352	363	18	thome	thome	PROPN
inlawrev-2352	363	19	and	and	CCONJ
inlawrev-2352	363	20	meding	meding	NOUN
inlawrev-2352	363	21	are	be	AUX
inlawrev-2352	363	22	distinguishable.^^	distinguishable.^^	NOUN
inlawrev-2352	364	1	the	the	DET
inlawrev-2352	364	2	applicant	applicant	NOUN
inlawrev-2352	364	3	in	in	ADP
inlawrev-2352	364	4	meding	meding	NOUN
inlawrev-2352	364	5	had	have	AUX
inlawrev-2352	364	6	not	not	PART
inlawrev-2352	364	7	broken	break	VERB
inlawrev-2352	364	8	several	several	ADJ
inlawrev-2352	364	9	appointments	appointment	NOUN
inlawrev-2352	364	10	for	for	ADP
inlawrev-2352	364	11	his	his	PRON
inlawrev-2352	364	12	medical	medical	ADJ
inlawrev-2352	364	13	examination	examination	NOUN
inlawrev-2352	364	14	and	and	CCONJ
inlawrev-2352	364	15	there	there	PRON
inlawrev-2352	364	16	was	be	VERB
inlawrev-2352	364	17	no	no	DET
inlawrev-2352	364	18	evidence	evidence	NOUN
inlawrev-2352	364	19	that	that	SCONJ
inlawrev-2352	364	20	he	he	PRON
inlawrev-2352	364	21	had	have	AUX
inlawrev-2352	364	22	been	be	AUX
inlawrev-2352	364	23	informed	inform	VERB
inlawrev-2352	364	24	there	there	PRON
inlawrev-2352	364	25	was	be	VERB
inlawrev-2352	364	26	no	no	DET
inlawrev-2352	364	27	coverage	coverage	NOUN
inlawrev-2352	364	28	without	without	ADP
inlawrev-2352	364	29	an	an	DET
inlawrev-2352	364	30	examination	examination	NOUN
inlawrev-2352	364	31	.	.	PUNCT
inlawrev-2352	365	1	the	the	DET
inlawrev-2352	365	2	applicant	applicant	NOUN
inlawrev-2352	365	3	in	in	ADP
inlawrev-2352	365	4	thome	thome	PROPN
inlawrev-2352	365	5	had	have	AUX
inlawrev-2352	365	6	been	be	AUX
inlawrev-2352	365	7	advised	advise	VERB
inlawrev-2352	365	8	that	that	SCONJ
inlawrev-2352	365	9	he	he	PRON
inlawrev-2352	365	10	was	be	AUX
inlawrev-2352	365	11	not	not	PART
inlawrev-2352	365	12	a	a	DET
inlawrev-2352	365	13	standard	standard	ADJ
inlawrev-2352	365	14	risk	risk	NOUN
inlawrev-2352	365	15	,	,	PUNCT
inlawrev-2352	365	16	whereas	whereas	SCONJ
inlawrev-2352	365	17	some	some	DET
inlawrev-2352	365	18	evidence	evidence	NOUN
inlawrev-2352	365	19	in	in	ADP
inlawrev-2352	365	20	meding	mede	VERB
inlawrev-2352	365	21	suggested	suggest	VERB
inlawrev-2352	365	22	that	that	SCONJ
inlawrev-2352	365	23	the	the	DET
inlawrev-2352	365	24	applicant	applicant	NOUN
inlawrev-2352	365	25	had	have	AUX
inlawrev-2352	365	26	been	be	AUX
inlawrev-2352	365	27	insurable.^^	insurable.^^	PUNCT
inlawrev-2352	365	28	even	even	ADV
inlawrev-2352	365	29	so	so	ADV
inlawrev-2352	365	30	,	,	PUNCT
inlawrev-2352	365	31	the	the	DET
inlawrev-2352	365	32	decision	decision	NOUN
inlawrev-2352	365	33	by	by	ADP
inlawrev-2352	365	34	the	the	DET
inlawrev-2352	365	35	circuit	circuit	NOUN
inlawrev-2352	365	36	court	court	NOUN
inlawrev-2352	365	37	in	in	ADP
inlawrev-2352	365	38	thome	thome	PROPN
inlawrev-2352	365	39	expressly	expressly	ADV
inlawrev-2352	365	40	left	leave	VERB
inlawrev-2352	365	41	open	open	VERB
inlawrev-2352	365	42	the	the	DET
inlawrev-2352	365	43	question	question	NOUN
inlawrev-2352	365	44	of	of	ADP
inlawrev-2352	365	45	whether	whether	SCONJ
inlawrev-2352	365	46	proof	proof	NOUN
inlawrev-2352	365	47	of	of	ADP
inlawrev-2352	365	48	insurability	insurability	NOUN
inlawrev-2352	365	49	would	would	AUX
inlawrev-2352	365	50	be	be	AUX
inlawrev-2352	365	51	necessary	necessary	ADJ
inlawrev-2352	365	52	for	for	SCONJ
inlawrev-2352	365	53	a	a	DET
inlawrev-2352	365	54	beneficiary	beneficiary	NOUN
inlawrev-2352	365	55	to	to	PART
inlawrev-2352	365	56	recover	recover	VERB
inlawrev-2352	365	57	,	,	PUNCT
inlawrev-2352	365	58	while	while	SCONJ
inlawrev-2352	365	59	the	the	DET
inlawrev-2352	365	60	district	district	NOUN
inlawrev-2352	365	61	court	court	NOUN
inlawrev-2352	365	62	's	's	PART
inlawrev-2352	365	63	decision	decision	NOUN
inlawrev-2352	365	64	suggested	suggest	VERB
inlawrev-2352	365	65	an	an	DET
inlawrev-2352	365	66	actual	actual	ADJ
inlawrev-2352	365	67	need	need	NOUN
inlawrev-2352	365	68	for	for	ADP
inlawrev-2352	365	69	such	such	ADJ
inlawrev-2352	365	70	proof.	proof.	NOUN
inlawrev-2352	365	71	®	®	NOUN
inlawrev-2352	365	72	^	^	PUNCT
inlawrev-2352	365	73	even	even	ADV
inlawrev-2352	365	74	though	though	SCONJ
inlawrev-2352	365	75	thome	thome	PROPN
inlawrev-2352	365	76	preceded	precede	VERB
inlawrev-2352	365	77	kaiser	kaiser	PROPN
inlawrev-2352	365	78	by	by	ADP
inlawrev-2352	365	79	several	several	ADJ
inlawrev-2352	365	80	years	year	NOUN
inlawrev-2352	365	81	,	,	PUNCT
inlawrev-2352	365	82	nothing	nothing	PRON
inlawrev-2352	365	83	in	in	ADP
inlawrev-2352	365	84	kaiser	kaiser	PROPN
inlawrev-2352	365	85	indicates	indicate	VERB
inlawrev-2352	365	86	that	that	SCONJ
inlawrev-2352	365	87	the	the	DET
inlawrev-2352	365	88	court	court	NOUN
inlawrev-2352	365	89	considered	consider	VERB
inlawrev-2352	365	90	thome	thome	PROPN
inlawrev-2352	365	91	in	in	ADP
inlawrev-2352	365	92	its	its	PRON
inlawrev-2352	365	93	decision	decision	NOUN
inlawrev-2352	365	94	.	.	PUNCT
inlawrev-2352	366	1	kaiser	kaiser	NOUN
inlawrev-2352	366	2	's	's	PART
inlawrev-2352	366	3	failure	failure	NOUN
inlawrev-2352	366	4	to	to	PART
inlawrev-2352	366	5	consider	consider	VERB
inlawrev-2352	366	6	thome	thome	PROPN
inlawrev-2352	366	7	is	be	AUX
inlawrev-2352	366	8	regrettable	regrettable	ADJ
inlawrev-2352	366	9	because	because	SCONJ
inlawrev-2352	366	10	the	the	DET
inlawrev-2352	366	11	district	district	NOUN
inlawrev-2352	366	12	court	court	NOUN
inlawrev-2352	366	13	's	's	PART
inlawrev-2352	366	14	opinion	opinion	NOUN
inlawrev-2352	366	15	succinctly	succinctly	ADV
inlawrev-2352	366	16	states	state	VERB
inlawrev-2352	366	17	the	the	DET
inlawrev-2352	366	18	reasons	reason	NOUN
inlawrev-2352	366	19	behind	behind	ADP
inlawrev-2352	366	20	the	the	DET
inlawrev-2352	366	21	theory	theory	NOUN
inlawrev-2352	366	22	that	that	SCONJ
inlawrev-2352	366	23	insurability	insurability	NOUN
inlawrev-2352	366	24	is	be	AUX
inlawrev-2352	366	25	a	a	DET
inlawrev-2352	366	26	condition	condition	NOUN
inlawrev-2352	366	27	precedent	precedent	NOUN
inlawrev-2352	366	28	to	to	ADP
inlawrev-2352	366	29	liability	liability	NOUN
inlawrev-2352	366	30	on	on	ADP
inlawrev-2352	366	31	a	a	DET
inlawrev-2352	366	32	conditional	conditional	ADJ
inlawrev-2352	366	33	receipt	receipt	NOUN
inlawrev-2352	366	34	.	.	PUNCT
inlawrev-2352	367	1	v.	v.	ADP
inlawrev-2352	367	2	conclusion	conclusion	NOUN
inlawrev-2352	367	3	it	it	PRON
inlawrev-2352	367	4	thus	thus	ADV
inlawrev-2352	367	5	appears	appear	VERB
inlawrev-2352	367	6	that	that	SCONJ
inlawrev-2352	367	7	life	life	NOUN
inlawrev-2352	367	8	insurance	insurance	NOUN
inlawrev-2352	367	9	companies	company	NOUN
inlawrev-2352	367	10	doing	do	VERB
inlawrev-2352	367	11	business	business	NOUN
inlawrev-2352	367	12	in	in	ADP
inlawrev-2352	367	13	indiana	indiana	PROPN
inlawrev-2352	367	14	may	may	AUX
inlawrev-2352	367	15	have	have	VERB
inlawrev-2352	367	16	difficulty	difficulty	NOUN
inlawrev-2352	367	17	in	in	ADP
inlawrev-2352	367	18	limiting	limit	VERB
inlawrev-2352	367	19	their	their	PRON
inlawrev-2352	367	20	liability	liability	NOUN
inlawrev-2352	367	21	through	through	ADP
inlawrev-2352	367	22	the	the	DET
inlawrev-2352	367	23	use	use	NOUN
inlawrev-2352	367	24	of	of	ADP
inlawrev-2352	367	25	conditional	conditional	ADJ
inlawrev-2352	367	26	receipts	receipt	NOUN
inlawrev-2352	367	27	.	.	PUNCT
inlawrev-2352	368	1	now	now	ADV
inlawrev-2352	368	2	that	that	SCONJ
inlawrev-2352	368	3	three	three	NUM
inlawrev-2352	368	4	courts	court	NOUN
inlawrev-2352	368	5	have	have	AUX
inlawrev-2352	368	6	recently	recently	ADV
inlawrev-2352	368	7	held	hold	VERB
inlawrev-2352	368	8	against	against	ADP
inlawrev-2352	368	9	insurers	insurer	NOUN
inlawrev-2352	368	10	,	,	PUNCT
inlawrev-2352	368	11	insurance	insurance	NOUN
inlawrev-2352	368	12	companies	company	NOUN
inlawrev-2352	368	13	will	will	AUX
inlawrev-2352	368	14	probably	probably	ADV
inlawrev-2352	368	15	either	either	CCONJ
inlawrev-2352	368	16	settle	settle	VERB
inlawrev-2352	368	17	questionable	questionable	ADJ
inlawrev-2352	368	18	claims	claim	NOUN
inlawrev-2352	368	19	in	in	ADP
inlawrev-2352	368	20	which	which	PRON
inlawrev-2352	368	21	the	the	DET
inlawrev-2352	368	22	conditional	conditional	ADJ
inlawrev-2352	368	23	receipt	receipt	NOUN
inlawrev-2352	368	24	is	be	AUX
inlawrev-2352	368	25	a	a	DET
inlawrev-2352	368	26	factor	factor	NOUN
inlawrev-2352	368	27	or	or	CCONJ
inlawrev-2352	368	28	prohibit	prohibit	VERB
inlawrev-2352	368	29	agents	agent	NOUN
inlawrev-2352	368	30	from	from	ADP
inlawrev-2352	368	31	accepting	accept	VERB
inlawrev-2352	368	32	any	any	DET
inlawrev-2352	368	33	payment	payment	NOUN
inlawrev-2352	368	34	with	with	ADP
inlawrev-2352	368	35	the	the	DET
inlawrev-2352	368	36	application	application	NOUN
inlawrev-2352	368	37	.	.	PUNCT
inlawrev-2352	369	1	neither	neither	DET
inlawrev-2352	369	2	approach	approach	NOUN
inlawrev-2352	369	3	is	be	AUX
inlawrev-2352	369	4	desirable	desirable	ADJ
inlawrev-2352	369	5	.	.	PUNCT
inlawrev-2352	370	1	the	the	DET
inlawrev-2352	370	2	courts	court	NOUN
inlawrev-2352	370	3	have	have	AUX
inlawrev-2352	370	4	attempted	attempt	VERB
inlawrev-2352	370	5	to	to	PART
inlawrev-2352	370	6	shield	shield	VERB
inlawrev-2352	370	7	the	the	DET
inlawrev-2352	370	8	applicant	applicant	NOUN
inlawrev-2352	370	9	from	from	ADP
inlawrev-2352	370	10	unfair	unfair	ADJ
inlawrev-2352	370	11	clauses	clause	NOUN
inlawrev-2352	370	12	in	in	ADP
inlawrev-2352	370	13	conditional	conditional	ADJ
inlawrev-2352	370	14	receipts	receipt	NOUN
inlawrev-2352	370	15	which	which	PRON
inlawrev-2352	370	16	are	be	AUX
inlawrev-2352	370	17	ambiguously	ambiguously	ADV
inlawrev-2352	370	18	worded	word	VERB
inlawrev-2352	370	19	.	.	PUNCT
inlawrev-2352	371	1	the	the	DET
inlawrev-2352	371	2	courts	court	NOUN
inlawrev-2352	371	3	,	,	PUNCT
inlawrev-2352	371	4	however	however	ADV
inlawrev-2352	371	5	,	,	PUNCT
inlawrev-2352	371	6	have	have	AUX
inlawrev-2352	371	7	gone	go	VERB
inlawrev-2352	371	8	too	too	ADV
inlawrev-2352	371	9	far	far	ADV
inlawrev-2352	371	10	.	.	PUNCT
inlawrev-2352	372	1	this	this	DET
inlawrev-2352	372	2	note	note	NOUN
inlawrev-2352	372	3	has	have	AUX
inlawrev-2352	372	4	attempted	attempt	VERB
inlawrev-2352	372	5	to	to	PART
inlawrev-2352	372	6	point	point	VERB
inlawrev-2352	372	7	out	out	ADP
inlawrev-2352	372	8	that	that	SCONJ
inlawrev-2352	372	9	both	both	CCONJ
inlawrev-2352	372	10	the	the	DET
inlawrev-2352	372	11	insurer	insurer	NOUN
inlawrev-2352	372	12	and	and	CCONJ
inlawrev-2352	372	13	the	the	DET
inlawrev-2352	372	14	applicant	applicant	NOUN
inlawrev-2352	372	15	receive	receive	VERB
inlawrev-2352	372	16	benefits	benefit	NOUN
inlawrev-2352	372	17	from	from	ADP
inlawrev-2352	372	18	the	the	DET
inlawrev-2352	372	19	use	use	NOUN
inlawrev-2352	372	20	of	of	ADP
inlawrev-2352	372	21	insurability	insurability	NOUN
inlawrev-2352	372	22	receipts	receipt	NOUN
inlawrev-2352	372	23	.	.	PUNCT
inlawrev-2352	373	1	the	the	DET
inlawrev-2352	373	2	benefit	benefit	NOUN
inlawrev-2352	373	3	to	to	ADP
inlawrev-2352	373	4	the	the	DET
inlawrev-2352	373	5	insurer	insurer	NOUN
inlawrev-2352	373	6	is	be	AUX
inlawrev-2352	373	7	that	that	SCONJ
inlawrev-2352	373	8	he	he	PRON
inlawrev-2352	373	9	is	be	AUX
inlawrev-2352	373	10	protected	protect	VERB
inlawrev-2352	373	11	from	from	ADP
inlawrev-2352	373	12	liability	liability	NOUN
inlawrev-2352	373	13	on	on	ADP
inlawrev-2352	373	14	a	a	DET
inlawrev-2352	373	15	risk	risk	NOUN
inlawrev-2352	373	16	against	against	ADP
inlawrev-2352	373	17	which	which	PRON
inlawrev-2352	373	18	he	he	PRON
inlawrev-2352	373	19	would	would	AUX
inlawrev-2352	373	20	not	not	PART
inlawrev-2352	373	21	otherwise	otherwise	ADV
inlawrev-2352	373	22	have	have	AUX
inlawrev-2352	373	23	chosen	choose	VERB
inlawrev-2352	373	24	to	to	PART
inlawrev-2352	373	25	insure	insure	VERB
inlawrev-2352	373	26	.	.	PUNCT
inlawrev-2352	374	1	the	the	DET
inlawrev-2352	374	2	benefits	benefit	NOUN
inlawrev-2352	374	3	to	to	ADP
inlawrev-2352	374	4	the	the	DET
inlawrev-2352	374	5	applicant	applicant	NOUN
inlawrev-2352	374	6	are	be	AUX
inlawrev-2352	374	7	:	:	PUNCT
inlawrev-2352	374	8	he	he	PRON
inlawrev-2352	374	9	may	may	AUX
inlawrev-2352	374	10	receive	receive	VERB
inlawrev-2352	374	11	a	a	DET
inlawrev-2352	374	12	promise	promise	NOUN
inlawrev-2352	374	13	of	of	ADP
inlawrev-2352	374	14	immediate	immediate	ADJ
inlawrev-2352	374	15	insurance	insurance	NOUN
inlawrev-2352	374	16	protection	protection	NOUN
inlawrev-2352	374	17	,	,	PUNCT
inlawrev-2352	374	18	a	a	DET
inlawrev-2352	374	19	promise	promise	NOUN
inlawrev-2352	374	20	he	he	PRON
inlawrev-2352	374	21	would	would	AUX
inlawrev-2352	374	22	not	not	PART
inlawrev-2352	374	23	receive	receive	VERB
inlawrev-2352	374	24	if	if	SCONJ
inlawrev-2352	374	25	the	the	DET
inlawrev-2352	374	26	insurer	insurer	NOUN
inlawrev-2352	374	27	were	be	AUX
inlawrev-2352	374	28	forced	force	VERB
inlawrev-2352	374	29	to	to	PART
inlawrev-2352	374	30	instruct	instruct	VERB
inlawrev-2352	374	31	its	its	PRON
inlawrev-2352	374	32	agents	agent	NOUN
inlawrev-2352	374	33	not	not	PART
inlawrev-2352	374	34	to	to	PART
inlawrev-2352	374	35	accept	accept	VERB
inlawrev-2352	374	36	a	a	DET
inlawrev-2352	374	37	premium	premium	NOUN
inlawrev-2352	374	38	with	with	ADP
inlawrev-2352	374	39	the	the	DET
inlawrev-2352	374	40	application	application	NOUN
inlawrev-2352	374	41	and	and	CCONJ
inlawrev-2352	374	42	not	not	PART
inlawrev-2352	374	43	to	to	PART
inlawrev-2352	374	44	issue	issue	VERB
inlawrev-2352	374	45	any	any	DET
inlawrev-2352	374	46	kind	kind	NOUN
inlawrev-2352	374	47	of	of	ADP
inlawrev-2352	374	48	receipt	receipt	NOUN
inlawrev-2352	374	49	;	;	PUNCT
inlawrev-2352	374	50	he	he	PRON
inlawrev-2352	374	51	is	be	AUX
inlawrev-2352	374	52	assured	assure	VERB
inlawrev-2352	374	53	that	that	SCONJ
inlawrev-2352	374	54	the	the	DET
inlawrev-2352	374	55	existing	exist	VERB
inlawrev-2352	374	56	rate	rate	NOUN
inlawrev-2352	374	57	schedule	schedule	NOUN
inlawrev-2352	374	58	for	for	ADP
inlawrev-2352	374	59	his	his	PRON
inlawrev-2352	374	60	underwriting	underwriting	NOUN
inlawrev-2352	374	61	classification	classification	NOUN
inlawrev-2352	374	62	will	will	AUX
inlawrev-2352	374	63	not	not	PART
inlawrev-2352	374	64	change	change	VERB
inlawrev-2352	374	65	after	after	ADP
inlawrev-2352	374	66	the	the	DET
inlawrev-2352	374	67	date	date	NOUN
inlawrev-2352	374	68	of	of	ADP
inlawrev-2352	374	69	the	the	DET
inlawrev-2352	374	70	application	application	NOUN
inlawrev-2352	374	71	;	;	PUNCT
inlawrev-2352	374	72	and	and	CCONJ
inlawrev-2352	374	73	he	he	PRON
inlawrev-2352	374	74	is	be	AUX
inlawrev-2352	374	75	assured	assure	VERB
inlawrev-2352	374	76	that	that	SCONJ
inlawrev-2352	374	77	the	the	DET
inlawrev-2352	374	78	standard	standard	NOUN
inlawrev-2352	374	79	for	for	ADP
inlawrev-2352	374	80	insurability	insurability	NOUN
inlawrev-2352	374	81	will	will	AUX
inlawrev-2352	374	82	not	not	PART
inlawrev-2352	374	83	change	change	VERB
inlawrev-2352	374	84	.	.	PUNCT
inlawrev-2352	375	1	if	if	SCONJ
inlawrev-2352	375	2	the	the	DET
inlawrev-2352	375	3	receipts	receipt	NOUN
inlawrev-2352	375	4	can	can	AUX
inlawrev-2352	375	5	be	be	AUX
inlawrev-2352	375	6	clearly	clearly	ADV
inlawrev-2352	375	7	worded	word	VERB
inlawrev-2352	375	8	and	and	CCONJ
inlawrev-2352	375	9	adequately	adequately	ADV
inlawrev-2352	375	10	explained	explain	VERB
inlawrev-2352	375	11	,	,	PUNCT
inlawrev-2352	375	12	v	v	ADP
inlawrev-2352	375	13	''	''	PUNCT
inlawrev-2352	375	14	444	444	NUM
inlawrev-2352	375	15	f.	f.	PROPN
inlawrev-2352	375	16	supp	supp	PROPN
inlawrev-2352	375	17	.	.	PUNCT
inlawrev-2352	376	1	at	at	ADP
inlawrev-2352	376	2	637	637	NUM
inlawrev-2352	376	3	.	.	PUNCT
inlawrev-2352	377	1	^^see	^^see	PRON
inlawrev-2352	377	2	text	text	NOUN
inlawrev-2352	377	3	accompanying	accompany	VERB
inlawrev-2352	377	4	notes	note	NOUN
inlawrev-2352	377	5	88	88	NUM
inlawrev-2352	377	6	&	&	CCONJ
inlawrev-2352	377	7	91	91	NUM
inlawrev-2352	377	8	supra	supra	NOUN
inlawrev-2352	377	9	.	.	PUNCT
inlawrev-2352	378	1	796	796	NUM
inlawrev-2352	378	2	indiana	indiana	PROPN
inlawrev-2352	378	3	law	law	NOUN
inlawrev-2352	378	4	review	review	NOUN
inlawrev-2352	378	5	[	[	X
inlawrev-2352	378	6	vol	vol	NOUN
inlawrev-2352	378	7	.	.	PUNCT
inlawrev-2352	378	8	12:777	12:777	NUM
inlawrev-2352	378	9	an	an	DET
inlawrev-2352	378	10	undertaking	undertaking	NOUN
inlawrev-2352	378	11	which	which	PRON
inlawrev-2352	378	12	may	may	AUX
inlawrev-2352	378	13	be	be	AUX
inlawrev-2352	378	14	very	very	ADV
inlawrev-2352	378	15	difficult	difficult	ADJ
inlawrev-2352	378	16	,	,	PUNCT
inlawrev-2352	378	17	their	their	PRON
inlawrev-2352	378	18	use	use	NOUN
inlawrev-2352	378	19	should	should	AUX
inlawrev-2352	378	20	be	be	AUX
inlawrev-2352	378	21	encouraged	encourage	VERB
inlawrev-2352	378	22	.	.	PUNCT
inlawrev-2352	379	1	the	the	DET
inlawrev-2352	379	2	companies	company	NOUN
inlawrev-2352	379	3	should	should	AUX
inlawrev-2352	379	4	endeavor	endeavor	VERB
inlawrev-2352	379	5	to	to	PART
inlawrev-2352	379	6	simplify	simplify	VERB
inlawrev-2352	379	7	the	the	DET
inlawrev-2352	379	8	wording	wording	NOUN
inlawrev-2352	379	9	of	of	ADP
inlawrev-2352	379	10	these	these	DET
inlawrev-2352	379	11	instruments	instrument	NOUN
inlawrev-2352	379	12	and	and	CCONJ
inlawrev-2352	379	13	to	to	PART
inlawrev-2352	379	14	ensure	ensure	VERB
inlawrev-2352	379	15	that	that	SCONJ
inlawrev-2352	379	16	their	their	PRON
inlawrev-2352	379	17	agents	agent	NOUN
inlawrev-2352	379	18	understand	understand	VERB
inlawrev-2352	379	19	the	the	DET
inlawrev-2352	379	20	exact	exact	ADJ
inlawrev-2352	379	21	terms	term	NOUN
inlawrev-2352	379	22	of	of	ADP
inlawrev-2352	379	23	the	the	DET
inlawrev-2352	379	24	receipt	receipt	NOUN
inlawrev-2352	379	25	so	so	SCONJ
inlawrev-2352	379	26	that	that	SCONJ
inlawrev-2352	379	27	the	the	DET
inlawrev-2352	379	28	public	public	NOUN
inlawrev-2352	379	29	will	will	AUX
inlawrev-2352	379	30	not	not	PART
inlawrev-2352	379	31	be	be	AUX
inlawrev-2352	379	32	deceived	deceive	VERB
inlawrev-2352	379	33	or	or	CCONJ
inlawrev-2352	379	34	misled.^	misled.^	PRON
inlawrev-2352	379	35	®	®	NOUN
inlawrev-2352	379	36	allen	allen	PROPN
inlawrev-2352	379	37	a.	a.	PROPN
inlawrev-2352	379	38	bell	bell	PROPN
inlawrev-2352	379	39	,	,	PUNCT
inlawrev-2352	379	40	jr	jr	PROPN
inlawrev-2352	379	41	.	.	PUNCT
inlawrev-2352	379	42	''	''	PUNCT
inlawrev-2352	380	1	crowe	crowe	PROPN
inlawrev-2352	380	2	suggests	suggest	VERB
inlawrev-2352	380	3	:	:	PUNCT
inlawrev-2352	380	4	(	(	PUNCT
inlawrev-2352	380	5	1	1	X
inlawrev-2352	380	6	)	)	PUNCT
inlawrev-2352	380	7	an	an	DET
inlawrev-2352	380	8	industry	industry	NOUN
inlawrev-2352	380	9	-	-	PUNCT
inlawrev-2352	380	10	wide	wide	ADJ
inlawrev-2352	380	11	effort	effort	NOUN
inlawrev-2352	380	12	to	to	PART
inlawrev-2352	380	13	simplify	simplify	VERB
inlawrev-2352	380	14	the	the	DET
inlawrev-2352	380	15	wording	wording	NOUN
inlawrev-2352	380	16	of	of	ADP
inlawrev-2352	380	17	conditional	conditional	ADJ
inlawrev-2352	380	18	receipts	receipt	NOUN
inlawrev-2352	380	19	,	,	PUNCT
inlawrev-2352	380	20	(	(	PUNCT
inlawrev-2352	380	21	2	2	X
inlawrev-2352	380	22	)	)	PUNCT
inlawrev-2352	380	23	abandonment	abandonment	NOUN
inlawrev-2352	380	24	of	of	ADP
inlawrev-2352	380	25	the	the	DET
inlawrev-2352	380	26	use	use	NOUN
inlawrev-2352	380	27	of	of	ADP
inlawrev-2352	380	28	"	"	PUNCT
inlawrev-2352	380	29	approval	approval	NOUN
inlawrev-2352	380	30	"	"	PUNCT
inlawrev-2352	380	31	receipts	receipt	NOUN
inlawrev-2352	380	32	,	,	PUNCT
inlawrev-2352	380	33	and	and	CCONJ
inlawrev-2352	380	34	(	(	PUNCT
inlawrev-2352	380	35	3	3	X
inlawrev-2352	380	36	)	)	PUNCT
inlawrev-2352	380	37	action	action	NOUN
inlawrev-2352	380	38	to	to	PART
inlawrev-2352	380	39	train	train	VERB
inlawrev-2352	380	40	agents	agent	NOUN
inlawrev-2352	380	41	so	so	SCONJ
inlawrev-2352	380	42	that	that	SCONJ
inlawrev-2352	380	43	they	they	PRON
inlawrev-2352	380	44	have	have	VERB
inlawrev-2352	380	45	a	a	DET
inlawrev-2352	380	46	good	good	ADJ
inlawrev-2352	380	47	understanding	understanding	NOUN
inlawrev-2352	380	48	of	of	ADP
inlawrev-2352	380	49	"	"	PUNCT
inlawrev-2352	380	50	conditional	conditional	ADJ
inlawrev-2352	380	51	receipts	receipt	NOUN
inlawrev-2352	380	52	,	,	PUNCT
inlawrev-2352	380	53	"	"	PUNCT
inlawrev-2352	380	54	and	and	CCONJ
inlawrev-2352	380	55	to	to	PART
inlawrev-2352	380	56	stress	stress	VERB
inlawrev-2352	380	57	that	that	SCONJ
inlawrev-2352	380	58	the	the	DET
inlawrev-2352	380	59	word	word	NOUN
inlawrev-2352	380	60	"	"	PUNCT
inlawrev-2352	380	61	conditional	conditional	ADJ
inlawrev-2352	380	62	"	"	PUNCT
inlawrev-2352	380	63	means	mean	VERB
inlawrev-2352	380	64	just	just	ADV
inlawrev-2352	380	65	what	what	PRON
inlawrev-2352	380	66	it	it	PRON
inlawrev-2352	380	67	says	say	VERB
inlawrev-2352	380	68	.	.	PUNCT
inlawrev-2352	381	1	the	the	DET
inlawrev-2352	381	2	agents	agent	NOUN
inlawrev-2352	381	3	should	should	AUX
inlawrev-2352	381	4	be	be	AUX
inlawrev-2352	381	5	forcefully	forcefully	ADV
inlawrev-2352	381	6	instructed	instruct	VERB
inlawrev-2352	381	7	to	to	PART
inlawrev-2352	381	8	avoid	avoid	VERB
inlawrev-2352	381	9	any	any	DET
inlawrev-2352	381	10	statements	statement	NOUN
inlawrev-2352	381	11	,	,	PUNCT
inlawrev-2352	381	12	in	in	ADP
inlawrev-2352	381	13	a	a	DET
inlawrev-2352	381	14	sales	sale	NOUN
inlawrev-2352	381	15	presentation	presentation	NOUN
inlawrev-2352	381	16	,	,	PUNCT
inlawrev-2352	381	17	which	which	PRON
inlawrev-2352	381	18	might	might	AUX
inlawrev-2352	381	19	tend	tend	VERB
inlawrev-2352	381	20	to	to	PART
inlawrev-2352	381	21	cause	cause	VERB
inlawrev-2352	381	22	an	an	DET
inlawrev-2352	381	23	applicant	applicant	NOUN
inlawrev-2352	381	24	to	to	PART
inlawrev-2352	381	25	believe	believe	VERB
inlawrev-2352	381	26	that	that	SCONJ
inlawrev-2352	381	27	he	he	PRON
inlawrev-2352	381	28	would	would	AUX
inlawrev-2352	381	29	be	be	AUX
inlawrev-2352	381	30	unconditionally	unconditionally	ADV
inlawrev-2352	381	31	covered	cover	VERB
inlawrev-2352	381	32	if	if	SCONJ
inlawrev-2352	381	33	he	he	PRON
inlawrev-2352	381	34	paid	pay	VERB
inlawrev-2352	381	35	his	his	PRON
inlawrev-2352	381	36	premium	premium	NOUN
inlawrev-2352	381	37	with	with	ADP
inlawrev-2352	381	38	his	his	PRON
inlawrev-2352	381	39	application	application	NOUN
inlawrev-2352	381	40	.	.	PUNCT
inlawrev-2352	382	1	crowe	crowe	PROPN
inlawrev-2352	382	2	,	,	PUNCT
inlawrev-2352	382	3	supra	supra	PROPN
inlawrev-2352	382	4	note	note	PROPN
inlawrev-2352	382	5	1	1	NUM
inlawrev-2352	382	6	,	,	PUNCT
inlawrev-2352	382	7	at	at	ADP
inlawrev-2352	382	8	62	62	NUM
inlawrev-2352	382	9	-	-	SYM
inlawrev-2352	382	10	63	63	NUM
inlawrev-2352	382	11	.	.	PUNCT
inlawrev-2352	383	1	there	there	PRON
inlawrev-2352	383	2	was	be	VERB
inlawrev-2352	383	3	a	a	DET
inlawrev-2352	383	4	somewhat	somewhat	ADV
inlawrev-2352	383	5	similar	similar	ADJ
inlawrev-2352	383	6	admonition	admonition	NOUN
inlawrev-2352	383	7	in	in	ADP
inlawrev-2352	383	8	allen	allen	NOUN
inlawrev-2352	383	9	:	:	PUNCT
inlawrev-2352	383	10	much	much	ADJ
inlawrev-2352	383	11	of	of	ADP
inlawrev-2352	383	12	the	the	DET
inlawrev-2352	383	13	difficulty	difficulty	NOUN
inlawrev-2352	383	14	may	may	AUX
inlawrev-2352	383	15	be	be	AUX
inlawrev-2352	383	16	laid	lay	VERB
inlawrev-2352	383	17	at	at	ADP
inlawrev-2352	383	18	the	the	DET
inlawrev-2352	383	19	doorstep	doorstep	NOUN
inlawrev-2352	383	20	of	of	ADP
inlawrev-2352	383	21	the	the	DET
inlawrev-2352	383	22	life	life	NOUN
inlawrev-2352	383	23	insurance	insurance	NOUN
inlawrev-2352	383	24	industry	industry	NOUN
inlawrev-2352	383	25	itself	itself	PRON
inlawrev-2352	383	26	for	for	ADP
inlawrev-2352	383	27	,	,	PUNCT
inlawrev-2352	383	28	despite	despite	SCONJ
inlawrev-2352	383	29	repeated	repeat	VERB
inlawrev-2352	383	30	cautions	caution	NOUN
inlawrev-2352	383	31	from	from	ADP
inlawrev-2352	383	32	the	the	DET
inlawrev-2352	383	33	courts	court	NOUN
inlawrev-2352	383	34	,	,	PUNCT
inlawrev-2352	383	35	it	it	PRON
inlawrev-2352	383	36	has	have	AUX
inlawrev-2352	383	37	persisted	persist	VERB
inlawrev-2352	383	38	in	in	ADP
inlawrev-2352	383	39	using	use	VERB
inlawrev-2352	383	40	language	language	NOUN
inlawrev-2352	383	41	which	which	PRON
inlawrev-2352	383	42	is	be	AUX
inlawrev-2352	383	43	obscure	obscure	ADJ
inlawrev-2352	383	44	to	to	ADP
inlawrev-2352	383	45	the	the	DET
inlawrev-2352	383	46	layman	layman	NOUN
inlawrev-2352	383	47	and	and	CCONJ
inlawrev-2352	383	48	in	in	ADP
inlawrev-2352	383	49	tolerating	tolerate	VERB
inlawrev-2352	383	50	agency	agency	NOUN
inlawrev-2352	383	51	practices	practice	NOUN
inlawrev-2352	383	52	which	which	PRON
inlawrev-2352	383	53	are	be	AUX
inlawrev-2352	383	54	calculated	calculate	VERB
inlawrev-2352	383	55	to	to	PART
inlawrev-2352	383	56	lead	lead	VERB
inlawrev-2352	383	57	the	the	DET
inlawrev-2352	383	58	layman	layman	NOUN
inlawrev-2352	383	59	to	to	PART
inlawrev-2352	383	60	believe	believe	VERB
inlawrev-2352	383	61	that	that	SCONJ
inlawrev-2352	383	62	he	he	PRON
inlawrev-2352	383	63	has	have	VERB
inlawrev-2352	383	64	coverage	coverage	NOUN
inlawrev-2352	383	65	beyond	beyond	ADP
inlawrev-2352	383	66	that	that	PRON
inlawrev-2352	383	67	which	which	PRON
inlawrev-2352	383	68	may	may	AUX
inlawrev-2352	383	69	be	be	AUX
inlawrev-2352	383	70	called	call	VERB
inlawrev-2352	383	71	for	for	ADP
inlawrev-2352	383	72	by	by	ADP
inlawrev-2352	383	73	a	a	DET
inlawrev-2352	383	74	literal	literal	ADJ
inlawrev-2352	383	75	reading	reading	NOUN
inlawrev-2352	383	76	.	.	PUNCT
inlawrev-2352	384	1	44	44	NUM
inlawrev-2352	384	2	n.j	n.j	PROPN
inlawrev-2352	384	3	.	.	PROPN
inlawrev-2352	384	4	at	at	ADP
inlawrev-2352	384	5	302	302	NUM
inlawrev-2352	384	6	,	,	PUNCT
inlawrev-2352	384	7	208	208	NUM
inlawrev-2352	384	8	a.2d	a.2d	PUNCT
inlawrev-2352	384	9	at	at	ADP
inlawrev-2352	384	10	642	642	NUM
inlawrev-2352	384	11	.	.	PUNCT