Mr. Justice S.K. Dubey, President—The three appeals arise out of the order dated 23rd December, 1999 passed in Case No. 69/1994 by the District Consumer Disputes Redressal Forum, Betul (for short the `District Forum').

2. Facts giving rise to the appeals are thus : Life assured late Pramod Agrawal, husband of Smt. Rajkumari Agrawal and father of Neha Agrawal and Aman Agrawal, minors, took Double Accident Benefit Policy No. 970093156 dated 28.3.1988 of the table and term 88-25 for the sum of Rs. 50,000/- of which the annual premium was of Rs. 2,349/-. The other policy dated 28.10.1991 was Money Back Policy No. 970307266 of the table and term, 75-20 for a sum of Rs. 50,000/- payment of premium of Rs. 866/- quarterly, to be paid on 20th of January, April, July and October every year.

3. The life assured died on 29.2.1992 in a road accident. The complainant No. 1 lodged the claim. The Life Insurance Corporation of India (for short "LIC") after investigating the claim made the partial payment of Rs. 1,12,716/- on 26.3.1992 under Policy No. 970093156. However, the balance payment amount under double accident benefits of Rs. 50,000/- was paid on 1.10.1994. According to L.I.C. the Poli