Defendant in O.S. No. 504 of 1982 on the file of the Sub Court, Kottayam is the appellant. Suit is for realisation of money under the two Insurance Policies. The Court below passed a decree in favour of plaintiff for realisation of amounts covered by Exts.B10 and B13 policies, amounting to Rs. 75,000/- with its bonus up to the date of death of the insured, together with interest till date of payment.

2. Plaintiff is the widow of one Punnen Kuruvilla, who was the proprietor of Everest Umbrella Mart, Kottayam. He died on 6-8-1981. He had taken an anticipated Endowment Assurance Policy No. 40965943 with the defendant Insurance Corporation for a sum of Rs. 40,000 /- for 15 years. He paid premia for the Policy for 6 years till his death. Plaintiff was nominated in the said Policy by deceased Punnen Kuruvilla. The first 20% anticipated amount of Rs. 8,000 /- was due on 17-10-1980 and was received by the assured. Irrespective of the amount received, the deceased was entitled to receive the whole sum of Rs. 40,000 /- assured under the policy with bonus amounting to Rs. 5,824/-. Accordingly, a total amount of Rs. 45,824/- became payable to plaintiff on the death of the assured. P