When an insurance policy is taken out by the creditor on the debtor's life as part of his security, and the premiums are paid by the debtor or charged against him in account, or if it is agreed or can be inferred from the bargain between the parties that the debtor has undertaken to pay the premiums, then the policy, or the balance of the insurance money after discharge of the debt, belongs to the debtor1. If the debtor is charged with the premiums in account with the creditor and has not disputed his liability to pay them, his
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