Smt. Veena Misra, Member — This appeal, under section 15 of the Consumer Protection Act, 1986, is directed against the order dated 20-2-2004 passed in com-plaint No. 386/03 by District Consumer Disputes Redressal Forum, Raipur (here-inafter called the ‘District Forum’ for short) whereby the complaint was partly allowed.

2. Undisputably, the complainant’s husband, deceased Yashwant Kumar Sahu, had in his life time obtained Jeevan Surabhi Policy bearing No. 382052504 from the Life Insurance Corporation on 15-3-2001. It is also undisputed that the said Yashwant Kumar Sahu died on 22-7-2002 at about 6.25 A.M. in the morning. It is also not disputed that premium for the said

policy was deposited by the agent on

22-7-2002 at about 13.55 P.M. at Mahasamund with the insurer.

3. Besides, the aforesaid undis-puted facts other facts as averred in the complaint are that the opposite party No. 3 is the agent of Opposite party Nos. 2 & 3 and as such, authorised to receive the amount of premium. It is also averred that the opposite party Nos. 1 & 2 advertised in newspapers and by other media regarding benefits of obtaining Life Insurance Policies. The opposite party No. 3 persuaded the late Y