{"id":19064,"date":"1999-07-19T00:00:00","date_gmt":"1999-07-18T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/madhu-garg-ors-vs-life-insurance-corporation-of-on-19-july-1999"},"modified":"2016-11-11T13:39:08","modified_gmt":"2016-11-11T08:09:08","slug":"madhu-garg-ors-vs-life-insurance-corporation-of-on-19-july-1999","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/madhu-garg-ors-vs-life-insurance-corporation-of-on-19-july-1999","title":{"rendered":"Madhu Garg &amp; Ors. vs Life Insurance Corporation Of &#8230; on 19 July, 1999"},"content":{"rendered":"<div class=\"docsource_main\">Delhi High Court<\/div>\n<div class=\"doc_title\">Madhu Garg &amp; Ors. vs Life Insurance Corporation Of &#8230; on 19 July, 1999<\/div>\n<div class=\"doc_citations\">Equivalent citations: 1999 IVAD Delhi 777, 1999 97 CompCas 939 Delhi, 80 (1999) DLT 593, 1999 (50) DRJ 630, ILR 1999 Delhi 116<\/div>\n<div class=\"doc_author\">Author: V Sen<\/div>\n<div class=\"doc_bench\">Bench: V Sen<\/div>\n<\/p>\n<pre><\/pre>\n<p>ORDER<\/p>\n<p>Vikramajit Sen, J. <\/p>\n<p>1.      The plaintiffs have filed this suit under Order xxxvII of the Code  of Civil  Procedure for recovery of Rs. 14,88,300\/- on the premise  that  they are  legal  heirs of late Shri Kailash Chand Garg who was entitled  to  the benefits  of  four insurance policies for a total sum of  Rs.  13,17,654.20 Shri Kailash Chand Garg died on 24.6.1997 leaving behind his widow,  plaintiff  No.  1 and children, plaintiffs No. 2 to 4. The Defendant  have  preferred  the present application under Order xxxvII Rule 3 (5)  and  Section 151 of the C.P.C. praying for unconditional leave to defend the suit. It is this application which falls for determination.\n<\/p>\n<p> 2.   The  plaintiffs  had  demanded the said sum from  the  Defendant  Life Insurance Corporation of India in terms of their notice dated 7.4.1998, and the  latter had declined to make payment on the ground that  a  &#8216;Succession Certificate&#8217; should be obtained by the plaintiffs. The defendant relies  on Sections 212 to 214 of the Indian Succession Act, 1925 as also Section 39(4) of the Insurance Act, 1938 which stipulate as under :\n<\/p>\n<blockquote><p>      &#8220;39(4)  A transfer or assignment of a policy made  in  accordance<br \/>\n     with Section 38 shall automatically cancel a nomination:\n<\/p><\/blockquote>\n<blockquote><p>      Provided that the assignment of a policy to the insurer who bears the risk on the policy at the time of the assignment, in  consideration of a loan granted by that insurer on the security of  the policy within its surrender value, or its re-assignment on repay ment of the loan shall not cancel a nomination, but shall  effect the  rights  of the nominee only to the extent of  the  insurer&#8217;s  interest in the policy.&#8221;\n<\/p><\/blockquote>\n<p> 3.   In  reply thereto, the plaintiffs have reiterated the stand  taken  by them  in response to the defendant&#8217;s insistence for the obtainment of  Succession  Certificate,  namely, that since the plaintiffs are  Hindus,  they<br \/>\nwere exempted from the application of Section 212 of the Indian  Succession Act, 1925. Reliance was also placed by the plaintiffs on Smt. Sarbati  Devi<br \/>\n&amp;  Anr. Vs. Smt. Usha Devi, . Arumugam Chelliah Paul  (since deceased by L.Rs) &amp; Ors. Vs. Life Insurance Corporation of India, , Aqeela Kamal Vs. Oriental Fire and General Insurance Co.  Ltd.,<br \/>\nLucknow  &amp; Anr.  and on Smt. Saraswati Devi Vs.  Life Insurance  Corporation of India, . It was  further  emphasised  on  behalf of the plaintiffs that the defendants have  not  disputed that the plaintiffs are in fact the legal heirs of late Shri Kailash  Chand Garg  and  hence they would be needlessly compelled  to  obtain  Succession<br \/>\nCertificate.\n<\/p>\n<p> 4.   I  may mention that at the time of arguments learned counsel  for  the defendant  did  not dispute that the plaintiffs were legal  heirs  of  Shri Kailash  Chand Garg but indicated that the defendant was not in a  position to  definitively  determine whether there were no other legal  heirs  apart from  the plaintiffs. He also emphasised that it would have been a  cheaper and  less tedious legal remedy for the plaintiffs to have obtained  Succession Certificate, to which I tend to agree.\n<\/p>\n<p> 5.   The question, therefore, which falls for determination is whether  the plaintiffs were legally justified in straight away filing a suit for recovry  of  the  aggregate of the insurance policies  together  with  interest thereon.\n<\/p>\n<p> 6.   Section 212 after to letters of administration only. It would not  be appropriate  to extend the application of this Section either to  grant  of probate or succession certificates and hence sub-section (2) would not come to  their rescue. This is made clear by the succeeding sections. In fact  a reading  of  Section 214 of the Indian Succession Act  would  fortify  the contentions  of  the defendants since it prohibits a Court from  passing  a<br \/>\ndecree  against a debtor of a deceased person for payment of his debt to  a person claiming on succession to be entitled to the effects of the deceased person or any part thereof.\n<\/p>\n<p> 7.   In the case of Vimla Nanda Vs. Govt. of NCT of Delhi &amp; Ors., 1998 V AD (Delhi)  630.  Manmohan Sarin, J. held, after consideration  of  prevailing precedents, that the insurance amount payable on account of the death of  a<br \/>\ndeceased  would  qualify for the grant of  succession  certificate.  Hence, plaintiff&#8217;s reliance on Daya Narain Khatri &amp; Ors. Vs. Suresh Kumar Gupta  &amp; Anr.,  is misplaced since this case specifically  concerns an arbitration award and not a claim akin to the present one.\n<\/p>\n<p> 8.   The position would have been altogether different had a valid  nominations  existed in favour of the plaintiffs. This was not so for the  reason that there had been an assignment of the policies, and by virtue of Section<br \/>\n39(4)  of the Insurance Act, all previous nominations thereupon stood  cancelled.  In that event I would have considered it unreasonable for  defend-ant-Corporation  to  insist on obtainment of a succession  certificate.  It would not be sound to expect a Corporation such as the L.I.C. to  automatically pay out every claim even where no valid nomination exists since  such claims may be fraught with intrinsic disputes.\n<\/p>\n<p> 9.   I  fail to appreciate how the celebrated judgment of the  Hon&#8217;ble  Supreme  Court  in Smt. Sarbati Devi &amp; Anr. Vs. Smt. Usha Devi, ,  would  further  the cause of the plaintiffs. What was  held  in  that authority  was  that the nominee under an insurance policy  would  not,  by virtue of the nominations, be the owners of the benefits thereof. It is now well  established that the nominee would always be liable  and  responsible for  the  payment  of the benefits of a policy to the legal  hers  of  the<br \/>\ndeceased.  This  is what was reiterated in Saraswati Devi&#8217;s  case  (supra). Arumugam  Chelliah Paul&#8217;s case (supra) is distinguishable since the  policy holder  had himself initiated an action in the Bombay Courts.  Subsequently<br \/>\nthe  plaintiffs  reliance on the decision of a Division Bench of  the  High Court of Allahabad in Ageela kamal&#8217;s case (supra) is of scant succour since the widow of the holder of the policy was the nominee right from the inception of the policy. In conclusion, while there is a plethora of  precedents to the effect that the nominee under an insurance policy need not obtain  a succession  certificate, there is no authority which would lead me to  hold that claimants of an insurance policy can demand payment without presenting such certificates. The Defendant Company would not be able to claim a valid discharge  in  the event of a claim by some other persons  claiming  to  be entitled to a share of the Estate.\n<\/p>\n<p> 10.  In  this  view of the matter I hold that the Defendant  has  disclosed facts  that indicate that it has a substantial defense which  is  obviously neither  frivolous or vexatious. Keeping in perspective the fact  that  the<br \/>\ninsurance company had clearly indicated its helplessness in making payments to  the plaintiffs without obtainment of succession certificate I  consider that  it would have been appropriate for the counsel for the plaintiffs  to concede  at  the threshold that leave to defend the suit should  have  been granted. In disposing of this application I would, therefore, have burdened the  plaintiffs with costs. However, keeping in view that the bread  winner of  the family has died I have resisted from imposing costs. For  the  same reasons I feel it appropriate to direct the Defendant to deposit the amount<br \/>\nadmittedly  payable under the four policies in Court within six weeks  from today. This amount shall thereupon be invested by the Registrar in the most advantageous fixed deposit, and would then be released to the plaintiffs as and when they furnish the Succession Certificate.\n<\/p>\n<p> 11.  The application is disposed of accordingly.\n<\/p>\n<p>      Suit No. 1799\/98<\/p>\n<p> 12.  The  Defendant has been permitted leave to defend the suit  and  shall accordingly  file  its  written statement within eight  weeks  from  today. Replication,  if any, be filed within four weeks thereafter. Documents,  if<br \/>\nany, be filed within this period.\n<\/p>\n<p> 13.  List  the matter before Joint Registrar for admission\/denial of  documents on 6.9.1999.\n<\/p>\n<p> 14.  The  case may be placed before this Court for framing of issues  after the admission\/denial is complete.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Delhi High Court Madhu Garg &amp; Ors. vs Life Insurance Corporation Of &#8230; on 19 July, 1999 Equivalent citations: 1999 IVAD Delhi 777, 1999 97 CompCas 939 Delhi, 80 (1999) DLT 593, 1999 (50) DRJ 630, ILR 1999 Delhi 116 Author: V Sen Bench: V Sen ORDER Vikramajit Sen, J. 1. The plaintiffs have filed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[14,8],"tags":[],"class_list":["post-19064","post","type-post","status-publish","format-standard","hentry","category-delhi-high-court","category-high-court"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Madhu Garg &amp; Ors. vs Life Insurance Corporation Of ... on 19 July, 1999 - Free Judgements of Supreme Court &amp; High Court | Legal India<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.legalindia.com\/judgments\/madhu-garg-ors-vs-life-insurance-corporation-of-on-19-july-1999\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Madhu Garg &amp; 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