Mr. Justice L. Manoharan, President— complaint for direction to the opposite parties to settle the insurance claim of the complainant and also for compensation. The allegations in brief are :

The complainant is the widow of late Shri Tony Philip. Shri Tony Philip had taken two insurance policies one for Rs. 1,50,000/- and the other for Rs. 1,00,000/-. On 29.3.1995 the third opposite party who is an agent of the Life Insurance1 Corporation alongwith the Assistant Manager Mr. Mohan Roy came to canvass business and requested Sri Tony Philip to take life insurance policy for Rs. 3 lakhs so that he could become a Kodipathi. Mr. Tony Philip to oblige him took policy for Rs.3 1akhs; accordingly on the same day executed proposal for a double accident benefit policy and he paid Rs. 1662/-by a cheque drawn on Syndicate Bank, Kottayam. The same was accepted and Ext. A1 receipt was issued followed by Ext. A2 official receipt. The said Tony Philip met with a motor accident on 17.4.1995 and Crime No. 144/95 was registered by the Chingavanam Police Station, later the same was closed. The claims in respect of the aforesaid 3 policies taken by the aforesaid Tony Philip were submitted. The firs