S.K.M. Lodha, President -The complainant is the widow of Shri Sitaram Agarwal who died on 23.10.1989. Shri Sitaram Agarwal obtained Policy No. 190139049 on 9.12.1989. The sum assured was Rs.30,000/-. He obtained another Policy No. 19027598 on 23.2.1988 for Rs.25,000/-. The complainant was the nominee in both the policies. The mode of payment of premium was quarterly. The husband of the complainant had paid premiums unto the date of his death. After the death of Sitaram she sent the papers and Policy No. 190217598 to the office of the Branch Manager. The second policy on the date of the filing of the complaint was with the complainant. She wrote to the Branch Office in regard to both the policies. She did not send the claim form in regard to the second policy. The opposite party by its letter dated 31.3 .1989 repudiated the claim of the complainant and denied their liability for any payment under Policy No.192015796. The claim was repudiated on the ground that the complainant deliberately made• false statement in regard to his health while answering questions Nos. 17, 18 and 20 in the proposal form. The complainant filed the complaint before the State Commission on 17.7.1991 pr