Smt. Susheela Sahu vs Br. Manager, State Bank Of India. on 17 September, 2021
14. The reliance of the learned counsel for the appellant on the order passed
by the National Commission in the case of ICICI Prudential Life Insurance Company
Ltd. versus Bimal Kanta Kharab, I (2013) CPJ 155 (NC) is of no avail as in the said
case the cheque was already encashed by the Insurance Company and life cover had
already commenced from the date prior to the date of death, whereas in the present case
as observed neither the proposal form was accepted nor the demand draft for the
premium amount was encashed before the death of the proposer.