ORDER

Arun Kumar Goel, President (Oral)- Appellant is aggrieved from the order dated 22.3.2004 passed by the District Forum, Kangra at Dharamshala in Consumer Complaint No. 169/2002. By means of impugned order, while allowing the complaint of the respondent, appellants have been directed to pay Rs. 50,000 and Rs. 75,000 with 9% interest from the date of repudiation of the claim i.e. 31.3.2001 till the payment of said amount to the respondent or is deposited with the Forum. Appellants have also been burdened with costs of Rs. 1,000.

2. At the time of hearing, deceased Rakesh Puri husband of the respondent being the assured life having obtained two policies on 28.7.1997 in the sum of Rs. 50,000 and on 15.2.1999 in the sum of Rs. 75,000 is admitted. He died on 1.6.1999. Because claim of the respondent was not settled by the appellants, therefore, she filed consumer complaint under Section 12 of the Consumer Protection Act, 1986 for redressal of her grievance. After conclusion of proceedings in the complaint, above referred relief(s) have been granted to the respondent against the appellants.

3. Main thrust of the submission of Mr. Singh, learned Counsel for the appellants was that both t