Principle of Utmost Good Faith applies in insurance. All statements of the Proposer/Life to be insured are believed to be correct.
The age declared in Voter Card of deceased should be correct.
Voter Card is given if standard age proof e.g. Passport, Pan card, Matriculation certificate etc is not available.
Voter ID card is not standard age proof. Insurance companies which accept Voter ID card as Non Standard proof of age levy a charge (as a % of Sum Assured) and add in premium.
Once accepted as a proof of age company shall proceed to issue the policy.
Company must have mentioned voter ID card in column for Age/DOB Proof in policy schedule and must have supplied copy of proposal form in policy pack.
Insurance Policy once issued becomes a contract.
If policy was issued company should pay.
If company has refuted the claim in writing, approach a competent and experienced lawyer specializing in consumer cases especially life insurance, show all docs including original Voter ID card and proceed under expert advice of your lawyer.
You have the option of lodging grievance under Grievance Redressal Mechanism guidelines issued by IRDA, and to approach IRDA, DCDRF……….
You may also relate the incidences with guidelines in Regulation of Protection of Policy Holders Interest.