V.K. Jain, Presiding Member—Late Shri K. Manjunatha, husband of the complainant obtained an insurance policy from the petitioner under which he was entitled to a sum of Rs.50,00,000/- on his death along with accidental benefit of Rs.5,00,000/-. The deceased was working as a driver with KSRTC Bangalore, at the time the policy was taken. He allegedly met with an accident while walking on road on 18.9.2005 and was admitted in NIMHANS hospital, Bangalore where he died on 19.9.2005. A claim lodged by the complainant for payment of benefits in terms of the insurance policy taken by the deceased was repudiated vide letter dated 12.12.2007, which to the extent it is relevant, reads as under:—

“In this connection we have to inform you that, in the proposal for Assurance and personal statement signed by the deceased Life Assured on 16.12.2004, under the above policy, he had answered the following questions as under noted:—

	Questions	Answers
4(a)	Present occupation:	Driver
	Exact nature of duties:	Agriculture Driver
4(b)	Name of present Employer: