K.R. Udaybhanu, President—The appellant is the complainant in CC No. 83/06 in the file of CDRF, Pathanamthitta. The complaint stands dismissed.

2. It is the case of the complainant that on the complainant of the third opposite party/LIC agent, she submitted a life insurance proposal to the first opposite party/LIC to the second opposite party/Branch Manager of LIC in the first week of October 2004. The first premium of Rs. 21,252/- was paid as per cheque dated 11.10.04. It was subsequently known that the third opposite party/agent did not possess a valid licence at the time when he solicited the business. The cheque amount was debited on 11.10.04 by the LIC. The proposal was dated 12.10.04. On receipt of the policy document, it was found that the commencement of the policy is dated 6.11.04 which is 25 days subsequent to the date of payment of premium and the submission of the proposal. Subsequently, on enquiries it was found that the post-dating of the commencement of the coverage was on account of the delay in re-instating the licence of the third opposite party. Despite repeated representations, the matter was not settled. The copy of the proposal was not sent along with