DIVISIONAL MANAGER LIC OF INDIA Vs. V JEYAMANI

JUDGEMENT

(1.) This appeal is directed against the order dated 5.6.1998 in O. P. No.12/1996 on the file of the District Cunsumer Disputes Redressal Forum, Pudukkottai.

(2.) The appellants are the opposite parties while the respondent is the complainant.

(3.) Short facts may be related in order to understand the crux of the issue arising for consideration in this action. One K. Velmurugan employed as an educator in Karaiyur Primary Health Centre, had taken an Endowment Assurance Policy with Accident Benefits with Life Insurance Corporation of India for a sum of Rs.2,00,000/- which is to enure for a period of 14-15 years. The date of commencement of the policy is 14.11.1992. The half yearly premium for the policy is Rs.7,726/-. His wife is one V. Jeyamani (complainant) and she is the nominee in the policy. The said Velmurugan, however, dies on 7.11.1993. The cause of death is stated to be myocardial infarction. The wife/nominee/complainant sent a claim petition dated 2.6.1994 to the Life Insurance Corporation of India and the petition so sent had been received by the said Corporation on 6.6.1994. The claim so made was, however, pending for pretty long without any sort of a settlement. Consequently, the complainant/wife/nominee launched a complaint before the Forum below against the opposite parties namely, (1) Divisional Officer, Life Insurance Corporation of India, Thanjavur Division and (2) Branch Manager, Life Insurance Corporation of India, Aranthangi alleging deficiency in service on their part in the sense of honouring the claim for pretty long and praying for certain reliefs as made in the complaint.