Venkatasubba Rao, J.

1. By a policy of insurance, dated 14th April 1910, the defendants insured the life of the plaintiff for the sum of Rs. 3,000. The policy was what is generally known as an Endowment Policy. In return for the payment of Rs. 71-13-3 as a premium paid each half-year on 30th March and 30th September for 21 years, the defendants agreed to pay the plaintiffs heirs the sum of Rupees 3,000 if death should take place before the expiration of the period, and the like sum of Rs. 3,000 to the plaintiff himself it ho should survive it. The policy was inter alia subject to the following "privileges and conditions":

Condition No. 3.--Thirty days of grace are allowed for payment of yearly and half-yearly premuims, and 15 days of grace for quarterly and monthly premiums. If payment is not made before expiration of the days of grace, the policy becomes void, and all premiums paid in respect of it will bo forfeited. If any life assured should die within the days of grace and before the payment of the premium, the policy is valid subject to payment of the premium due.

"Condition No. 5.--A policy which has lapsed by nonpayment of the premium may he revived within 12 calendar m