Mr. S.P. Bagla, Member—Smt. Rajni Patwari is the appellant and the Branch Manager, Life Insurance Corporation of Indian Ltd., Medak District is respondent No. 1 and M/s. Asian Paints (India) Ltd., Patancheru, Medak District are respondent No. 2. The facts of the case are that Smt. Rajni Patwari, who is the wife of Shri Niranjan Patwari preferred a claim with the Life Insurance Corporation of India Ltd., the respondent No. 1 for payment of the due amount on the Policy No. 640208028 for a sum of Rs. 10,000/- commencing on 3.9.1987, consequent upon the death of Shri Niranjan Patwari on 3.12.1988. The respondent No. 1 repudiated her claim on ground that the policy in question had lapsed because of default in the payment of premiums from November 1987 to May, 1988. As Shri Niranjan Patwari was an employee of respondent No. 2 and had taken the policy under the Salary Savings Scheme, enquiries were made from them and they intimated that the deceased had authorised them to make payment of premiums from June, 1988 only which were duly remit- ted to the LIC — the respondent No. 1 upto December, 1988 and were stopped after his death. The District Forum, Hyderabad after hearing the compla