IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 17.06.2023 Date of Hearing: 13.10.2025 Date of Decision: 09.02.2026 FIRST APPEAL NO. 286/2023 IN THE MATTER OF LIFE INSURANCE CORPORATION OF INDIA, DELHI DIVISIONAL OFFICE–III, JEEVAN PRAVAH, DISTRICT CENTRE, JANAK PURI, NEW DELHI–110058.

(THROUGH MANAGER, L&HPF, LIC OF INDIA, DIVISIONAL OFFICE, JEEVAN PRAKASH BUILDING, 25 KASTURBA GANDHI MARG, NEW DELHI–110001.)

(Through: Mr. Anoop K. Kaushal, Advocate)

…Appellant VERSUS MRS. RENU, W/O LATE MR. ANIL KUMAR, R/O H. NO. 51, P BLOCK, LAXMI PARK, GOPAL NAGAR, NAJAFGARH, NEW DELHI–110043.

(Through: Mr. Prateek Rai, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

Present: Mr. Anoop K. Kaushal, counsel for the Appellant, E-mail:

anoopkaushal@gmail.com.

Mr. Prateek Rai, counsel for the Respondent.

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT

JUDGMENT

1. The facts of the case as per the District Commission record are as under:

“1. The complainant has filed the present complaint under section 12 of the Consumer Protection Act, Brief facts of the complaint are as follows:-

a. The complainant is the wi