[Resolved] Lic Of India — Representation of proposals on my life
The Chief (U&R)
LIC of India
Central office, Mumbai
Re:- Representation of proposals on my life
I submitted two proposals no. 21784 and 21785 in branch 31B under Delhi Do-3 to LIC ON 5TH April 2009, out of which one was an Endowment Plan of 1 Cr Sum assured for 19 yrs and other was pure term assurance plan of 3 crore for 14 yrs, all my test of LIC have been done thru LIC TPA & at the time of medical examination, I clearly told the doctors about my abdominal operation that was carried out in 2006 in US. I also filled the form regarding my personal history of gastric and duodenal ulcer and attached it with the personal letter in which I mentioned that I do not have any document related to my operation. In spite of best efforts I have not been able to locate those reports. I underwent all the tests called for which ECG, Haemogram, SBT-13, RUA, HBa1c, CTMT, through your TPA.
According to my knowledge my all the tests were absolutely normal. Then on 12th April 2009 LIC asked me to submit the papers of my repeat LFT and the reports of my operation done in 2006 and co-operating to my fullest, I underwent LFT test and submitted my papers to LIC.
After that on 12 may 2009 there was again a demand from your side for repeat LFT accompanied by gastro intestinal disorder questionaire, an ultrasound of abdomen and papers related to my operation of 2006 of which I have been telling since beginning in all of my declarations. Also I have no objection for any other medical tests if it is demanded by LIC. After 3 weeks of submission of my reports I was told that both of my proposals have been declined by LIC. I was surprised by the decision of LIC that even though all my medical checkups had been conducted thru LIC TPA and that too thrice and in spite of all my satisfactory tests/reports, LIC declined my proposals just because of the fact that I have not submitted the reports and documents of my operation of 2006.
Here, I would like to request that I should be apprised of the reason as to why my proposals have been declined. In case term assurance is not allowed to me, I am willing to accept endowment assurance under any plan, SA & term. I am also willing to bear extra premium, if any.
In this contemporary insurance industry where there is stiff and hard competition companies like Birla Sun Life, Max New York are approaching me again and again but because I have strong and immense faith in LIC, I am willing to fully co-operate with this reputed organisation
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Aug 14, 2020Complaint marked as Resolved
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