IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 01.04.2023 Date of Hearing: 01.12.2025 Date of Decision: 27.02.2026 FIRST APPEAL NO.- 139/2023 IN THE MATTER OF

1. LIFE INSURANCE CORPORATION OF INDIA, THROUGH ITS CHIEF BRANCH MANAGER, JHANSI BRANCH, B.O.1 JHANSI 284003.

2. LIFE INSURANCE CORPORATION OF INDIA, THROUGH ITS CHAIRMAN, YOGAKSHEMA, HEAD OFFICE, MUMBAI, NARIMAN POINT, MUMBAI 400002.

ALSO:

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)

…Appellants VERSUS MRS. MANJU KALA, W/O LATE MR. R.P. KALA, R/O 120 (TF) CGHS DUPLEX, VASUNDHARA ENCLAVE COLONY, DALLUPURA WARD, DELHI – 110096.

(Through: Mr. Randhir Kumar, Advocate)

… Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. BIMLA KUMARI, MEMBER (FEMALE) Present: Mr. Anoop K. Kaushal, Counsel for the Appellants.

None 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:

“…she purchased an LIC policy from the OP called 'Jeevan Saral' on 28/08/2009 and she was in