JUDGMENT

AVM J. RAJENDRA, AVSM, VSM (RETD.),

1. The present First Appeal has been filed under Section 51 of the Consumer Protection Act, 2019 (“the Act”) against the Order dated 23.11.2021 passed by the State Consumer Disputes Redressal Commission, Delhi (“the State Commission”) in Consumer Complaint No. 551 of 2016, whereby the Complaint was allowed.

2. There is 15 days delay in filing the present First Appeal. In view of the facts and circumstances of the case, the delay is condoned.

3. For convenience, the parties are being referred to as they were before the State Commission. “Smt. Chanda Devi,” the wife and nominee of the Life Assured Shri Ram (since deceased), is the Complainant/ Respondent. The “Life Insurance Corporation of India” (LIC) is Appellant/ Opposite Party/Insurer.

4. Brief facts of the case, as per the complaint, are that the husband of the Complainant Shri Ram (“Deceased Life Assured” or “DLA”) had obtained a Life Insurance - Jeevan Mitra Policy No. 125804443 under Table and Term 133-21-21 for a sum assured of Rs. 8,00,000. The policy commenced on 28.08.2011, with the risk coverage period from 22.11.2011 to 28.08.2032. The first annual premium of Rs.64,462 was paid