Lic disputed matter.

Sunil Kumar (Querist) 24 December 2025 This query is : Resolved
Respected Sir

It is submitted that my friend is a Govt. employee and her wife is an LIC Agent. Being an LIC Agent, her wife and Development Officer and even her husband has suggest a LIC plan Sum Assured Rs. 3 lac to a customer and after consent the customer is ready to purchase LIC Plan. After issuing LIC Bond which have two years lock period, the customer paid premium till 1.5 years and demanding 11 lac amount as LIC Agent has promised. But LIC agent did not missell the LIC Policy. After intimation all plan to customer, the customer give consent for issuing of LIC Bond.
Now the customer is threatening to written complaint to my friend Govt. Employee and her wife for cheating and mis-selling the Policy. The policy is issued after intimation facts and figures to customer.
Kindly suggest what can I do in this matter because my friend is Govt. employee and her wife did not want to face harassment by issuing any complaint letter.

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Quick Summary

A government employee's wife, an LIC agent, is facing a dispute with a customer who claims mis-selling of a policy. The customer paid premiums for 1.5 years on a Rs. 3 lakh policy, expecting Rs. 11 lakh based on an alleged promise. The agent insists the policy terms were clearly explained and no mis-selling occurred. The customer is threatening to complain against the agent and her husband, the government employee, leading to concerns about harassment and potential misconduct for the public servant.

T. Kalaiselvan, Advocate (Expert) 25 December 2025
Your friend was not involved in this subject matter and his wife has clearly explained the terms at the time of taking the policy.
If that person is still agitating, you may ask him to proceed which can be challenged legally.

Sudhir Kumar, Advocate (Expert) 26 December 2025
It is misconduct for a govt servant to participate in business of wife.

P. Venu (Expert) 27 December 2025
What do you mean by "even her husband has suggest a LIC plan"? Does the customer concerned having or had any official dealing with the employee and any such dealing influenced by the willingness of the customer to subscribe to the policy?

Dr. J C Vashista (Expert) 28 December 2025
Facts posted are too sketchy / vague and stated to be pertaining to wife of your friend.
Why are you perturbed ?

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