K. Ramanna, President—This complaint filed by Smt. Virupamma w/o. Late Doddappa against the OP Insurance Company seeking direction to the OP to pay sum assured amount of Rs. 26,00,000 along with death benefits in policy No.0017017984 dated 27.4.2006 along with 12% interest thereon since September 2006 till realization to the complainant and to pay compensation amount of Rs.1,00,000 towards mental harassment and agony suffered by the complainant and grant such other relief deems fit.

2. The case of the complainant in brief is that she is an illiterate widow and legally wedded wife of Doddappa who insured his life with the respondent/OP Insurance Company. To that effect insurance policy has been issued on 27.4.2006 under Bajaj Allianz UNIT Gain for an assured sum of Rs. 26,00,000 and complainant was the nominee to the said policy. Her husband was hale and healthy prior to his death and he was businessman by profession and owning saw mill at Sindhanoor, Raichur District. He was the income tax assessee and his pan card No. ADQPD 480J. He submitted his proposal form No.4638560 for life insurance on 24.2.2006 (Annexure A). Sum assured under the policy was Rs. 30,00,000 by opting paym