S. C. Vyas, President—This is an appeal of unsuccessful complainant whose complaint No.314/ 07 has been dismissed by District Consumer Disputes Redressal Forum, Durg (hereinafter called “District Forum” for short), vide order dated 18.9.2008.

2. As per facts of the case the appellant herein is the widow of one Peelaram Kosle, who obtained life insurance policy of Rs.25,000 from respondent No.1 through respondent No. 2 on 16.8.2003, the name of the policy was Jan Raksha Yojana. Premium of the policy was payable by 15th of every January, April, July and October every year. It is not in dispute that premium for the month of October, 2003 was not paid in time. As per the case of the complainant on 4.1.2004, premium for the month of October, 2003 as well as for the month of January 2004 were paid together to the insurance agent for depositing the same with the LIC. The agent deposited the amount on 9.1.04. On that very date the insured died an unnatural death by drowning in a well. Then claim for sum assured was preferred by the complainant, which was repudiated by the insurance company on the ground that the policy had already been lapsed in the month of October 03. The same sta