1. The appellants herein were the respondents before the National Consumer Disputes Redressal Commission, New Delhi (for short ‘the NCDRC’). As per the impugned order, the NCDRC allowed revision petition No. 3384 of 2006 filed by the Life Insurance Corporation of India, the respondent herein and reversed the concurrent orders of the forums below passed in favour of the appellants herein and dismissed their complaint that culminated in a direction in their favour for grant of compensation.

2. Succinctly stated, the facts that led to the captioned appeal, are as follows:

The appellants are the widow and the children of one Shri Narender Kumar Kantilal Modi (hereafter referred to as ‘the deceased’) who met with an accidental death due to electric shock on 14.07.1996. Prior to his death, the deceased submitted a proposal form for Life Insurance Policy on 06.07.1996 and issued cheque of Rs. 3388/- towards premium on 09.07.1996 through cheque No. 187009 dated 08.07.1996 of Dhokla Branch of State Bank of Saurastra. At this juncture, it is to be noted that there is no dispute regarding the permissibility of effecting premium in the said mode. After the death of the deceased the appellants he