Hon’ble Amitava Lala, J.—The fact remains that the petitioner’s deceased husband made a policy during his life time under the money back scheme of Life Insurance Corporation of India (hereinafter called as ‘L.I.C.’) in its local office. Number of the policy is 311465500 dated 31st January, 2002. The policy was lapsed due to non-payment of premium on 28th June, 2002 and 28th December, 2002. The policy was revived on full payment of premium on 15th February, 2003. However, the insured expired on the following day i.e. 16th February, 2003 due to heart attack. On 27th May, 2004 Senior Divisional Manager of the L.I.C., Allahabad had rejected the claim of his wife on account of her husband’s death. On 18th January, 2005 Zonal Manager of the L.I.C. from its office at Kanpur had also rejected such claim. On 2nd February, 2005 wife of the insured was formally informed by the Divisional Office, Allahabad about the order of the Zonal Manager, Kanpur, from which an appeal was preferred before the Insurance Ombudsman. Ultimately the Insurance Ombudsman by his award dated 30th June, 2005 upheld the repudiation action taken by the insurer, in repudiating the claim under the Policy No. 311