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3. Turner was covered by a group life insurance policy at the time of his death. His wife had predeceased him and they had no children. However, he had an illegitimate child born shortly after his death. The group policy provides that benefits are payable: "To the wife or husband, if living, of the employee; if not living, to the children of the employee who survive the employer, equally; if none survives, to either the father or mother of the employee. ..." The issue is whether "children" in the policy includes or excludes illegitimate children. How do you decide and why