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Swetha Form

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0% found this document useful (0 votes)
176 views9 pages

Swetha Form

Uploaded by

ashi.agrawal
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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LATEST COLOUR

PHOTO OF THE
LIFE TO BE

IILIC
'1 ~~~
urc INSUlt.lNCC COflPORATION or INOll
FORM NO. 300 (Rev 2021)
PROPOSAL FOR INSURANCE ON OWN LIFE
(Not be used for Insurance on the llves of minors)
ASSURED

Division: Branch Office:


INSTRUCTIONS TO LIFE TO BE ASSURED
1. This fom, is to be completed in BLOCK LETTERS by the Lffe to be Assured.
2. This fom, contains 4 sections namely Section I: Details of Life to be assured Section II: Proposed Plan, Section Ill: Details of
personal and family health and habtts Section IV : Declaration
3. Please read all the questions carefully and fill up the details truthfully.
4. Please ensure that you affix your signatures in all the places as required. In certain places more than one signature is required.
This is in your own interest.
5. If the Life to be Assured signs this proposal in vernacular or puts his/her thumb impression upon tt, then the respective
declaration must be completed.
6. Answers should be legible. Questions should be answered in 'Yes' or 'No'. {Strokes I dots/ dashes/ leaving the questons
unanswered will not be accepted). Details need to be provoed in case of affim,ative answers.
7. The Lffe to be Assured must countersign any cancellation or alterations made in this fom,. White ink must not be Used

To be filled by agent:
1. D.O./CLIA Code No/ Mentor code & Mobile number :
2. Agent's/Specified Person's/DSE's/Sup Agent's Name ,Code No & Mobile number:
3. Licence No:
4. Date of Expiry:
For Office Use Only :
Inward no: Date
Proposal no : Amt of Deposit : B.O.C No: Date:

Section - I : Details of the Life to be assured

I.Personal Details
1 Name Prefix Middle Name Last Name
Mr./Mrs./Ms/Mx.: F ~ JJ--IW[THA .:re~EA6JNA
2 Father's Full name
3 Mother's Full Name
4 Gender Male / Female / Third Gender . Ft?v1AL E
5 Marital Status \JN N &RR 1m
6
7
Spouse's Full name
Date of Birth
-
f '°' / D? I 1~'11--
8 Age** Years
•• Depending upon the plan conditions, Age last birthday/Age nearer birthday shall be applied for the calculaton of premium
9 Place/ City of Birth f.4D.~PETt
10 Nature of Age Proof
Submitted
11 Nationality HfNVV
12 Citizenship
13 Correspondence Address ~lttl\~ fi.~ fl Fl hW
House No.
City/ Town/ Village
District & State
Country
PIN Code
Tel. No. with STD Code
14 Permanent Address
House No.
City/ Town/ Village I t MKVR.
District & State ~\ 'OtJ t<.\J R . K ttR.N ftTA-K A
Country 1:t\l· u1 A ,
PIN Code ~-;f:l ' 0 ,._,
Tel. No. with STD Code
1
15 Residential status Resident Indian/ Non Resident Indian/ Foreign National of Indian Origin/
Overseas Citizen of India
16 Address outside India ( Applicable only for NRI/FNIO/ OCI)
House No.
City/ Town/ Villaoe
District & State
Country
PIN Code

II KYC& PMLA
1 Are you Income Tax Y/~y
Assessee
2 PAN Number •Cn'f>VP~I \q~_s
3 ID details( to be answered only if PAN card copy is not submitted)
• In case of Aadhaar only last four dioits is to be oiven as Id number
Proof of Identity
ID number • c, ~ lCl' \) ;f- Lt
Expiry date of id
-
4 Address Proof Submitted
5 Are You Registered under
GST, if yes give GSTIN :
6 C KYC number ( Central
KYC Registry)

Ill Occupation / -
1 Educational qualification /?/? rJi P / ,!.:/3/ 0_/ / P1 /'l,j;,(7 P.k,//1a

2
3
Present Occupation
Source of Income
/ e / } rn

JCI L
/ p .fi;./
~
/1
-✓ J
4 Name of the present
employer
,1/Vu.b e
5 Exact Nature of duties
6 Length of service
7 Annual Income I/ TPJJ
8 To be answered if employed in the Armed Forces
a Wing to which you belong
b Rank therein .
C Date of last Medical
~xamination
d Medical category after
medical examination
e Were you ever below A-1
category? If so, when?

IV Others
1 Is your occupation associated with any specific hazard or do you
take part in hazardous activities or have hobbies that could be
, dangerous in any way? If yes , give details and submit
respective questionnaire .
·2 Have you ever been or are currently being investigated, charge
sheeted, prosecuted or convicted or having pending charges in
respect of any criminal/civil offences in any court of law in India
or abroad ? If yes, give details.
3 Are you a Politically Exposed Person OR are you a family
member or close relative of Politically Exposed Person?
[As per RBI guidelines PEPs are the individuals who are or have
been entrusted with prominent public functions in a foreign
country.]

2
V Existing Insurance: Please give details of your previous insurance taken from UC as well as from other
insurers (including policies surrendered / lapsed during last 3 years)
Note: 1. If space is not sufficient for all existing policies, please use separate sheet in the same format . it must
be duly signed by the life to be assured
2. Corporation normally does not entertain any fresh proposal for insurance where a policy has lapsed or has
been converted into paid up policy within the last 3 years.

1 Policy Number
~ Name of the Insurer/
Division/ Branch
3 Plan and Term
4 Sum assured
5 Term Rider Sum
Assured
6 Cl Rider Sum Assured
7 AB/ ADDB Sum
assured
8 Date of Commencement
9 Date of Revival
10 Whether accepted at
ordinary rate, if not give
details
11 Medical/ Non medical -
12 Whether lnforce
13" If not, Date of FUP/
Date of surrender
14 Has a proposal ( or an application for revival of a policy) on your life made to Yes/No Details
any office of the Corporation or to any other insurer ever been
a Withdrawn, Deferred, Dropped or Declined?, if yes give details.
b Accepted with extra Premium or Lien?, if yes give details.
C Accepted on terms other than those proposed?, if yes give details.
d Have you during the past one year returned any policy of the Corporation as
the same was not acceptable to you?, if yes Qive details.

VI Details of Nominee and appointee (It is in the interest of the life to be assured to avail the facility of nomination)
Name and address of % Age Relationship If Nominee is Relationship Appointee's
Nominee share with the life to minor to the signature as a
be assured appointee's full nominee token of
name, age and consent
address

Id proof of Nominee/
Appointee
Id Number

VII Bank Details


Bank Account details: /
a) Type of Account-Savmgs / Current:
b) Your Account No : g.;1 i 4 S 6' c 80
c) MI CR Code:_----:/:-:-.---;:;-~~--:--;:::::---:--:::----;..----------
d) IFS Code::-:-::-:----'-~~1....1....1o~~/-4.....l~½-----+-=---~
e) Name and Address of your bank:
Attach a hotoco or cancelled che~u~e~w~it~h~th~e~f~o::rm~~Ll!...:0...!,,jt!:::.LJ[Z_.....r.:.t.~~~'---'={._!___~:!.Q~~~-

Mobile number of the life to be assured: 9 7Lt .JS ;I~ 7 4 8


E mail id of the life to be assured:
efkua/4_Q ~J~- Co~,
Signature/ Thumb impression of the life to be assured
3
Section-II Proposed Plan

I Ob'ective of Insurance Savin / Risk Cover/ Savin and Risk Cover


II Whether proposal is under (please tick Individual life / Employer- Employee Scheme /HUF /MWP ..
relevant options) . . .
• * Note: If proposal is not under individual life , please submit relevant questionnaire I annexure/supporting
documents along with the roposal form

Ill Please Tick the Riders which you want to avail along with the base plan as per the Plan conditions

1. LIC's New Term Assurance Rider g--'


2. LIC's New Critical Illness Benefit Rider [jJ/"
3. LIC's Premium Waiver Benefit Rider ~
4. LIC's Accident Benefit Rider (AB) ~
OR
LIC's Accidental death and Disability benefit Rider (AD&DB) D

IV Plan, Sum assured and Rider selected by the Life to be assured( Riders are subject to availability
under the selected plan)
a Plan, Term Sum Mode of Premium Term Rider Critical Accident If policy is to
& Premium Proposed Payment Sum illness sum benefit sum be dated back
paying Term (Basic Sum (Yly/Hly/Qly/ SSS proposed proposed (if proposed (if indicate date
Assured) /NACH/ Single) (if opted) opted) opted)
J{we/u,- 1000 oo
~ ly
b Applicable to Police Personnel if LIC's Accident Benefit Rider/ LIC's Accidental
Death And Disability Benefit Rider is opted for :

i. Whether you are engaged in police duty in any police organization other Y/W
than paramilitary force?lf "Yes",
ii. Whether you wish to avail the AB/AD& DB rider while on police duty? Y/~
C For SSS Policies :
i. Paying authority code and Dept No
ii. BadQe or SR No

V. To be answered only if proposing for "LIC's Premium Waiver Benefit Rider " in case of insurance on
Minor Life

Premium Waiver Benefit under this rider shall be equal to waiver of premiums payable under the Base Policy falling
due on and after the date of death of Proposer till the expiry of rider term.
However, premiums in respect of any riders, if opted for, other than this rider under the base policy shall not be waived
and continue to be paid as per respective rider conditions.
Further if premium paying term of the base policy exceeds the rider term all the premiums due under the base policy
from the date of expiry of "LIC's Premium Waiver Benefit Rider" shall be payable by the Life Assured as per the
terms and conditions of the Base policy.

Do you agree with the above ~No


Note: Proposal shall be considered for LIC's Premium Waiver Benefit Rider only , If your answer to the above
question Is "Yes"

VI. To be answered only If proposing under "LIC's Aadhaar Stambh" or" LICs Aadhaar Shila"
a. Total existing (excluding the proposal under consideration) sum assured under LIC's Aadhaar
Shila/ LIC's Aadhaar Stambh :
b.
-----
Is your life being proposed simultaneously under the same plan? Yes/No.
If "Yes", give details :
-----
Note: The total Sum Assured under LIC's Aadhaar Stambh or LIC's Aadhaar Shila on an Individual sh Id t
exceed Rs. 3 lakhs. ou no

4
ications and for Jeevan Amar
VII: To be answered only If applicable as per Plan specif
of the following):
a. ~nder which category do you wish to apply? (Tick one
1) Smoke r □
ii) Non- Smoker □
basis of findings of Urine Cotlnlne Test.
Note: Non- smoker rates wlll be offered only on the
( ~)
one of the options for Sum Assured on Death (by ticking
b. Question regarding Death Benefit: Please select
in the appropriate box) depending upon your specific needs:
Option I: "Level Sum Assured", where Sum Assured on
Death shall be an amount equal to Basic Sum
L..._ _ __,
I
Assured and shall remain constant throughout policy term.

ed on Death shall remain equal to Basic Sum


Option II: "Increasing Sum Assured", where Sum Assur
Therea fter, it increas es by 10% of Basic Sum Assured each
Assured till completion of fifth policy year.
it becomes twice the Basic Sum Assured.
year from the sixth policy year till fifteenth policy year till
inforce policy till the end of policy term; or till the Date of Death;
This increase will continue under an
sixteenth policy year and onwards,
or till the fifteenth policy year, whichever is earlier. From
s constant i.e. twice the Basic Sum Assured till the policy term ends.
the Sum Assured on Death remain

,
VIII Simultaneous Proposals YIN/
an application
a Is your life now being proposed for another assurance or
for revival of a policy on your life or any other proposal under
insurer?
consideration in any office of the Corporation or to any other
If yes, give details ,

and children? If Y/r.Y'


b Whether proposed simultaneously on the life of spouse
yes, give details

IX Settlement tion As r Ian conditions /No


ents":
Do you wish to avail "Option to take Maturity Benefit in Instalm : Y No
wish to avail "Option to take Death Benefit In Instalments"
Do you
the proposal form.
If 'Yes', Kindly fill the addendum which forms a part of
of receipt of payment of claim from lumpsum to
Note: You will have the option of aHerlng the mode
ollc duration till the oint of claim.
Instalment and vice versa durln the
/

X Are you registered with UC Portal:l¥/N


If yes, give Customer ID /0? ~19
lf with UC Portal after completion of this proposal
If not, Please visit our site 'NWw.licindia.in and register yourse
to avail the benefit of e services.

Signature/ Thumb impression of the life to be assured

Section- mi Personal and family detaHs of health I habits

I
a
Personal Health
Please state exact height ( in ems) and weight ( in Kgs)
( without Height
11.3
j Weight 50
shoes)
b During the last five years did you consult a Medical Practit
ioner for any YIN
g treatment for more than a week ? If ves, give details
ailment reauirin
C Have you ever been admitted to any hospita l or nursing home for YIN
If yes, give
general check up, observation, treatment or operation?
details
d Have you remained absent from place of work on ground
s of health YIN
during the last 5 years? If yes, give details
5
past or have you been
suffered or undergone investigation in the
e Are. you suffering from or have you ever the follow ing ailme nts:
ent for
advised to undergo investigation or treatm Diseases Y/N
Diseases Y/N
t 2. Hype rtens ion, Hypo tension, rheumatic fever,
1. Lungs/ Respiratory Disease I Persisten hless ness, palpitation, any Ill
ng " / pain in chest, breat
cough, asthma, bronchitis, pneumonia, spitti fV disea se of the heart or arter ies?
of blood etc 4. Any disea se of kidney /prostate or urinary
mia, piles ,
3. Peptic ulcer/colitis, jaundice, anae
dysentery, or any other disease of the
/l} system? Al
stomach, liver, spleen, gall bladd er or
pancreas/ digestive disorder ose
6. Hernia/hydrocele, varicocele, fistula, varic
5. Paralysis/epilepsy/ insanity/ tremors, , ,filariasis, gono rrhoe a, syph ilis or any
veins
numbness, double vision, dizzy or fainting tJ other venereal disease?
spells/ head Injury / insomnia/ nervous
or
breakdown I any other disease of the brain
the nervous system ,
cyst/ 8. Any disease of ear, nose, throat or eyes
7. Cancer/leukemia/lymphoma/ tumour I including defective sight or hear ing and ;V
Any other growth/ lumps/ blood disorder N discharge from the ears
/enlarged gland s
1O. Bone/ Joint/ Spine Disease/ Arthritis
9. Endocrine disorders such as Diabetes, fl
ed
Goitre, Thyroid etc or have you ever pass /J
sugar, albumin, pus or blood in urine 12. Chronic infections- Tuberculosis/ pleur
isy I
11. Mental Disorder (Depression/ Anxiety, Leprosy. ;ti
N Skin Disea se/ skin erup tion/
bodily
etc.).
& HIV related cond ition 14. Any Operation, accident or injury/ any 1V
13. Hepatitis or AIDS
N defect or defor mity.
15. Any other disease? below ( If hospitalized ,
in 'e' above is yes, please give details as
f If answer to any of the questions mentioned sal form. )
tigation papers along with the propo
enclose the discharge summary and all inves Still on treatment (Y/N) , If Name and address
Date of Fully recovered of Doctor/ Hospital
Nature of disease I Yes give details of
s Diag nosis (Y/N)
illnes treatment

/
II Personal Habits YIN( If yes, quantity If stopped,
smoked/consumed the
Do you smoke/consume or have you ever consumed and duration since how many
following (a,b,c) months
J,.f
a. Alcoholic drinks
/V
b. Narcotics
c. Any other drugs, If yes, which one
Al
ed/consumed
d. Do you smoke/ consume or have you smok
product includes but not limited
tobacco in any form (Toba
beed
cco
is; chew able tobac co like Gutkha, M
to cigars, cigarettes, (in sticks
60 mont hs.
flavored paan masala, etc.) in the past
/packets/ sach ets/day or gms /day)

health?
Ill What has been our usual state of

IV Family details
1 Have your parents I spouse / Partner/ children and/o
r any of your
or died of heart disea se, stroke, high
relations ever suffered from
blood pressure, diabe tes mellitus, canc er, kidney disease or any
gious diseases such as
/V
hereditary disorders, Insanity, or any conta
If yes, please specify
tuberculosis ,hepatitis, AIDS I HIV etc.?
a. Nam e of the disea se
b. Relationship with the life to be assured and
C. date I year of death

2 Family History
I Living I Dead
6
A eat death Year/cause of death
State of health
Father
Mother
Brothers
Living
Dead
Sisters
Living
Dead
So use
Children
Living
Dead

V For Female Proponents only


a Are you pregnant now?
b Date of last delivery If so,
carriage or Cesarean section?
C Have you had any abortion or mis . . .
give details st1gatIon,
ecologist or undergone any mve
d Have you ever consulted a gyn yes, give deta ils)
(If
treatment for any gynaec ailment?
e Husband's details
Husband's full Name
His Occupation
His Annual Income
Details of Husband's Insurance Plan& Present status of
f of the Sum
Policy number Name of branch/ Division/ Name Assured Term the policy
rer ( if other than LIC) _ from where
insu
_policy has been taken

~~ the life to be assured


Signaturer1numb impres_sion of

Section IV: Declaration


POSER
DECLARATION BY THE PRO
being proposed to be assured,
the person whose life is hereinafter fully understanding the
e:J/2w e 4 been given by me
1 g statements and answers have rmation and I do
do hereby declare that the foregoin plet e In eve ry part icula r and that I have not withheld any info assurance
e are true and com the con tract of
questions and the sam shall be the basis of
e statements and this declaration untrue averment be contained therein the said
hereby agree and declare that thes of Indi a and that if any
between me and the Life Insuranc
e Corporation d from time to time.
ision s of Sec tion 45 of the Insurance Act, 1938 as amende
prov
contract shall be dealt with as per any
time being in force prohibiting
prov ision of any law, usa ge, custom or convention for the lging any knowledge or
Not-withstanding the sure r/ cre~it b~reau from. divu
ter and /or emp loye r, rein the grounds of
~octor, ~ospital ,diagnostic c_en e , financial etc.on
con cern ing my hea lth or emp loyment , occupation, insuranc
rnformat,on about me
7
privacy, I ' my heirs execuI'tors, adminr5. •. s, having interest of any
kind whatsoever in th trators and assignees or any other person or person such knowledge or
y agree that such autho rity , having
information shall e P? icy contr~ct issued to me, hereb
ation to the Corpo ration, and the
edge or inform
Cor oratio~ . at any time be at liberty to divulge any such knowl /Agen cy/ and Gover nmental I Regulatory
th Organ isation / Institution
Author' f to divulge e same to any Authorised settlef!1en_t.
igation / risk mitigation / fraud control and/or claim
A d ;ty or the sole p~rpose of underwriting I invest the proposal but before the issue of First Premium Receipt (1)
1 urther. agree that if a!ter the date of submi ssion of
n general
stances connected with my financial position or the
any change ,n my occupation or any adverse circum nce or an applic ation for
occurs or (ii) if a proposal for assura
he~lth of mys~lf or that ~f any members of my family awn or dropp ed, deferr ed or accep ted at an
Corporation is withdr
~ev,val of a poll~y on my hfe made to any office of the intima te the same to th e
other than as proposed, I shall forthwith
increase? pr~m,u~ or subject to a lien or on terms so s~all
recons ider the terms of accep tance of assurance. Any omission on my part to do
Corporat,_on m wntmg to 1938 as amen ded from t,me
of Section 45 of the Insurance Act,
render this contract to be dealt with as per provisions
to time.
1 also give
any changes in KYC documents such as re~idence.
I undertake to inform the Corporation immediately of phone calls , SMS/ E marl from Centra l KYC
ry and to receive
my consent to share my data with Central KYC Regist
registry in this regard. th
terms on is
to accept /Postpone/ drop/ decline or offer alternate
I understand that the Corporation reserves the right
proposal for life insurance.
r/ E mail
SMS/E mail on the below ~entioned _register~ num~
I hereby give my consent to receive phone calls, my life insura nce pohcy /regar dmg servic ing of insura nce
t to
address from I on behalf of the Corporation with respec
the status of Claim etc
policies/enhancing insurance awareness/ notifying about
ance
the policy are subject to taxes I duties/ charges in accord
I also understand that the premium and benefits under
with the laws as applicable from time to time.
of __ __ 20
Dated at __ __ __ __ on the __ _ day

d
Signature or Thumb impression of the life to be assure
Signature of Witness
Name JJfi.»! e&_
Occupation ----
I (!,,Curi. / eo.._cl

Address:..___ _ _ _ __
nt from that of the
case form Is filled up/signed In a language differe
1. Declaration bv the person filling In the fonn {In dlsablllty (PWD) where he/she Is not able to fill the propo sal
with
Proposal Fonn or In case the proposer Is person
form himself/ herself.)
rs given
ns to the proposer and I have truthfully recorded the answe
"I hereby declare that I have fully explained the above questio sion/ signature as below after fully understanding the contents
by the proposer and proposer has affixed the thumb impres ,hf:
~
thereof."
Name of the Declarant: J b er/k>. Signat ure: €Q- ::-

Address of the Declarant:· - - - - - -


tion) Mr. /
"I c~rtffy,}pat t~ contents of the form have been fully explained to me by (Name, Designation, occupa
MC c!:_h<,v dA_g ..

Signa1L1-tir,;;,~,ession of the /We to be assured


ng whose Identity
mpresslon should be attested by a person of standi
2.ln case the Proposer Is Illiterate, his/her thumb
by him.
Corporation and this declaration should be made
can easily be established, but ooconnected with the

8
r "lereby .d%lare that I have fully explained the above questions and contents
of the proposal form to the proposer il

"/u language, and that the propose, has affixed the thumb impression above after fully
understanding the contents
ther f."

Signature: c/1we.JJ¾,
Name of the Declarant: • 2PAwe_&.t,
Address of the Declarant: - - - - - - - -

SECTION 45 OF THE INSURANCE ACT, 1938


(1) No policy of life insurance shall be called in question on any ground
whatsoever after the expiry of th~ee years
the
of commencement of nsk or
from the date of the policy, i.e., from the date of issuance of the policy or the date
r is later. .
date of revival of the policy or the date of the rider to the policy, whicheve years from the dat~ of issuance .of the
(2)A policy of life insurance may be called in question at any time within three
date of the nder to the policy,
policy or the date of commencement of risk or the date of revival of the policy or the
of fraud : . .
whichever is later, on the ground or the legal represen tatives or nominee s
Provided that the insurer shall have to communi cate in writing to the insured
is based. . .
or assignees of the insured the grounds and the materials on which such decision any of the following acts committed
Explanation I - For the purpose of this sub section, the expression "fraud" means
insurer to issue a life insurance
by the insured or by his agent, with the intent to deceive the insurer or to induce the
policy: not believe to be true;
(a) The suggestion, as a fact of that which is not true and which the insured does
by the insured having knowledg e or belief of the fact ;
(b) The active concealment of a fact
(c) Any other act fitted to deceive ; and
(d) Any such act or omission as the law specially declares to be fraudulent.
by the insurer is not fraud, unless
Explanation II - Mere silence as to facts likely to affect the assessment of the risk
are such that regard being had to them, it is the duty of the insured or his agent,
the circumstances of the case
keeping silence to speak, or unless his silence is, in itself, equivalent to speak. a life insurance policy on the
(3) Notwithstanding anything contained in sub-section (2), no insurer shall repudiate
of or suppress ion of a material fact was true to the best
ground of fraud if the insured can prove that the mis-statement
or that there was no deliberate intension to suppress the fact or that such mis-statement of
of his knowledge and belief
or suppression of a material fact are within the knowledge of the insurer: in case the policyholder is
Provided that in case of fraud, the onus of disproving lies upon the beneficiaries,
not alive. deemed for the purpose of the
Explanation: A person who solicits and negotiates a contract of insurance shall be
formation of the contract, to be agent of the insurer.
(4) A policy of life insurance may be called in question at any time within three
years from the date of issuance of the
policy or the date of commencement of risk or the date of revival of the policy or the date of the rider to the policy,
the ground that any statemen t of or suppress ion of a fact material to the expectancy of the life of
whichever is later, on
t on the basis of which the policy was issued or
the insured was incorrectly made in the proposal or other documen
revived or rider issued:
legal representatives or nominees
Provided that the insurer shall have to communicate in writing to the insured or the
the grounds and materials on which such decision to repudiate the policy of life insurance
or assignees of the insured
is based:
ent or suppression of a material
Provided further that in case of repudiation of the policy on the ground of misstatem
till the date of repudiation shall be paid to the
~act, and not on ground of fraud_, the premiums collected on the policy
atives or nominees or assignee s of the insured within a period of ninety days from the
insured or the legal represent
date of such repudiation.
ion of fact shall not be considered
Expla~ation - F~r the pu~poses of ~his sub-section, the mis-statement of or suppress
insurer, the onus is on the insurer to show that
matenal_unless 1t has a direct bearing on the risk undertaken by the
said fact no life insurance policy would have been issued to the insured.
had the !ns~rer '?8en a~are of the
Nothin~ this section shall prevent the !nsurer from calling for proof of age at any time if he is entitled to do so,
(5) in
of the policy are adjusted on
and no policy shall be deemed to be ~all~ in questio~ merely because the terms
subsequent proof that the age of the life insured was incorrectly stated in the proposal.

SECTION 41 OF THE INSURANCE ACT, 1938

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