Surety for death claim.

Querist : Anonymous (Querist) 09 October 2023 This query is : Resolved
My unmarried brother expired. He had taken 5No. insurance policies. My father ,Nominee to the policies predeased his son.My mother is the legal heir. Claim proposals are submitted along with Legal heirship certificate and my husband , SoninLaw to my mother has also given surety. The branch states that surety should not be from close relative. Kindly clarify, Why LHC is not enough. and whether surety is mandatory and if if it is mandatory
why surety from son in law is not accepted.He is not directly involves with claim. Can I request branch to settle the claim on basis of LHC

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Quick Summary

When a nominee for an insurance policy predeceases the policyholder, the legal heir typically needs to claim the amount. In this case, the mother is the legal heir, but the branch is refusing the claim, insisting on surety from someone not closely related, despite a legal heirship certificate and the son-in-law offering surety. The advice given is to question the necessity of surety and the specific laws the branch relies on, escalating to the divisional manager or Insurance Ombudsman if required, as the company's website doesn't mandate such surety.

kavksatyanarayana (Expert) 09 October 2023
Not a legal query and repeated.

T. Kalaiselvan, Advocate (Expert) 10 October 2023
All such questions are to be asked to the LIC manager.
If they say that these are mandatory you can ask them the law they rely upon to demand such unnecessary requirements and then approach the divisional manager to intervene and grant you relief.

Sudhir Kumar, Advocate (Expert) 12 October 2023
this forum cannot be spokesperson of insurance company.

repeated

https://www.lawyersclubindia.com/experts/surety-for-death-claim--754591.asp

P. Venu (Expert) 31 October 2023
Guidelines could be accessed from the website of the Insurance Company. LIC's website does not reveal the necessity of any surety as being insisted.

You can take up the issue with the Insurance Ombudsman.

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