1. Delay condoned.

2. Challenge in this First Appeal is to the Order dated 20 January, 2016 th passed by the State Consumer Disputes Redressal Commission, Maharashtra, Circuit Bench at Nagpur (for short, "the State Commission") in Complaint Case No. 14 of 2012 whereby the Complaint filed by the Complainant / Appellant herein, was dismissed holding that there was no deficiency in service on the part of the Opposite Parties / Respondents herein in repudiating the claim preferred by the Complainant.

3. Concisely put, the facts leading to the filing of the Complaint before the State Commission are that the Husband of the Complainant (for short, the "Deceased"), during his life time, had obtained two Insurance Policies from the Opposite Party No. 1, namely, HDFC Standard Life Insurance Company Ltd. (for short, the "Insurance Company") bearing No. 12992586 on 30.6.2009 with assured sum of 12,50,000 and HDFC Term Assurance Policy b