On May 4, 2005, Joseph Pantera, age 35, completed an application for a life insurance policy on his life and paid the initial annual premium. The coverage under the policy became effective on May 15, 2005, and the policy benefit is payable only if (1) Mr. Pantera dies before reaching age 65 and (2) the policy is in force when Mr. Pantera dies. Mr. Pantera’s policy included an amendment to the policy that became part of the insurance contract and expanded the benefits payable under the contract. Mr. Pantera died on July 2, 2005. The amendment to Mr. Pantera’s insurance policy that expanded the benefits payable under the contract known as a