{"id":233238,"date":"2008-12-05T00:00:00","date_gmt":"2008-12-04T18:30:00","guid":{"rendered":"https:\/\/www.legalindia.com\/judgments\/shri-shyam-lal-yadav-vs-life-insurance-corporation-of-on-5-december-2008"},"modified":"2018-02-25T02:33:13","modified_gmt":"2018-02-24T21:03:13","slug":"shri-shyam-lal-yadav-vs-life-insurance-corporation-of-on-5-december-2008","status":"publish","type":"post","link":"https:\/\/www.legalindia.com\/judgments\/shri-shyam-lal-yadav-vs-life-insurance-corporation-of-on-5-december-2008","title":{"rendered":"Shri Shyam Lal Yadav vs Life Insurance Corporation Of &#8230; on 5 December, 2008"},"content":{"rendered":"<div class=\"docsource_main\">Central Information Commission<\/div>\n<div class=\"doc_title\">Shri Shyam Lal Yadav vs Life Insurance Corporation Of &#8230; on 5 December, 2008<\/div>\n<pre>                  CENTRAL INFORMATION COMMISSION\n                                .....\n<\/pre>\n<p>                                                      F.No.CIC\/AT\/A\/2008\/00668<br \/>\n                                                   Dated, the 05th December, 2008<\/p>\n<p> Appellant        : Shri Shyam Lal Yadav<\/p>\n<p> Respondents : Life Insurance Corporation of India<\/p>\n<p>       This matter was heard on 04.12.2008 in response to Commission&#8217;s notice<br \/>\ndated 08.10.2008. Appellant was absent, whereas the respondents were<br \/>\npresent through Shri A. Swargiary, Secretary (RTI), Central Office and<br \/>\nShri A.K. Podder, Secretary (Acturial), Central Office.\n<\/p>\n<p>2.     This second-appeal relates to appellant&#8217;s RTI-application dated<br \/>\n18.10.2007, in which seven queries were made directed at the CPIO and<br \/>\nExecutive Director (Customer Relationship Management). All responses were<br \/>\ngiven except for query at Sl.No.4, which the respondents declined to divulge on<br \/>\nthe ground that it was voluminous information disclosing which would lead to<br \/>\ndiversion of the respondents&#8217; resources and hence would attract Section 7(9) of<br \/>\nthe RTI Act.\n<\/p>\n<p>3.       This query reads as follows:-\n<\/p>\n<blockquote><p>         &#8220;How much amount the LIC has earned from the lapsed policies since last<br \/>\n         few years? Provide this information in attached format.<\/p>\n<pre>\n\n     Divisional    Earning from     Earning from     Earning from     Earning from\n       Office         lapsed           lapsed           lapsed           lapsed\n                     policies         policies         policies         policies\n                     2000-01          2001-02          2002-03          2003-04\n\n\n<\/pre>\n<blockquote><p>4.     Respondents have stated the following in defence of their position for not<br \/>\ndisclosing information related to this query:-\n<\/p><\/blockquote>\n<blockquote><p>         &#8220;In this regard we would like to submit before the Hon&#8217;ble Commissioner<br \/>\n         that we couid provide total number of lapse policies for the period 2000-<\/p><\/blockquote>\n<\/blockquote>\n<blockquote><p>         01,2001-02, 2002-03, 2003-04, 2004-05,2005-06 and 2006-07 to Shri<br \/>\n         Shyamlal Yadav as the Divisions of LIC offices generate this information<br \/>\n         at the time of submission of D- return to the Central Office. However total<br \/>\n         premium receive against these lapsed policies, as requested by the<br \/>\n         Appellant , has never been generated and so it is not available with us . It<br \/>\n<span class=\"hidden_text\">                                                                          Page 1 of 3<\/span><br \/>\n will require to develop new programme to create information as regards<br \/>\ntotal premium collected against the lapsed policies . As has already been<br \/>\ninformed to Shri Shyam lal Yadav that total number of lapsed policies<br \/>\nw.e.f 2000-01 to 2006-07 is 5,91,96,235 .it will be huge task to create the<br \/>\nabove information . In doing so, it would disproportionately divert the<br \/>\nresources of the public authority. Hence information under point no 4 was<br \/>\ndenied under section 7(9) of RTI Act, 2005.\n<\/p><\/blockquote>\n<p>It is also observed that Shri Shyamlal Yadav thinks that LIC has earned<br \/>\nfrom the lapsed policies. In this regards we would like draw your<br \/>\nattension [sic] to the following facts<\/p>\n<p>1. The word &#8220;Earning&#8221; as defined by Mr. Yadav is misleading and<br \/>\n   confusing since any premium received has associated with it many<br \/>\n   items of expenses; for example collection cost, commission, cost of<br \/>\n   death\/morbidity cover where applicable and so on.\n<\/p>\n<p>2. A lapsed policy can be revived within a stipulated period (usually<br \/>\n   within the five years from the first unpaid premium); hence it is not<br \/>\n   possible to say whether a policy has finally lapsed or not before the<br \/>\n   expiry of that revival period.\n<\/p>\n<p>3. LIC incur extra cost for policies where premiums are not paid within<br \/>\n   the grace period; LIC sends default notice and final lapse intimation<br \/>\n   notice to such policyholders apart from giving list of such policies to<br \/>\n   the procuring agents and Development Officers. LIC also floats<br \/>\n   Special Revival Schemes from time to time. How to account for these<br \/>\n   costs while arriving at &#8220;Earning&#8221; as requested for?\n<\/p>\n<p>4. Worldwide no life insurance company keeps record of such &#8220;Earning&#8221;<br \/>\n   as such a data, even if generated, will be of little use. Any such<br \/>\n   collection and compilation of useless data will involve extra cost; and<br \/>\n   any cost is always effectually borne by policyholders only.\n<\/p>\n<p>5. For unit linked policies concept of lapsation is different from that of<br \/>\n   conventional policies. In many cases of linked policies lapsation bid<br \/>\n   value of the remaining units are returned to the policyholders (subject<br \/>\n   to fulfilling certain regulatory requirements)\n<\/p>\n<p>6. For one year renewable group term assurance if premium is not<br \/>\n   renewed every year the policy lapses\n<\/p>\n<p>7. LIC does not provide for any lapsation in its product pricing and<br \/>\n   hence the question of &#8220;earning from lapsation is irrelevant.\n<\/p>\n<p>8. While talking about conventional individual policies LIC has two<br \/>\n   types of policyholders, namely, with-profits and without-profits<br \/>\n   policyholders. LIC carries out yearly regulatory valuation and any<br \/>\n   surplus disclosed in the valuation is distributed to its with-profits<br \/>\n   policyholders in the ratio of 95:5 (5% is given to the shareholder<br \/>\n   i.e.GOI) after paying income tax as applicable.\n<\/p>\n<p>9. In many lapsed cases where only one installment of premium is paid<br \/>\n   by the policyholders and subsequent premiums are not paid the<br \/>\n   expenses including commission incurred by LIC exceed the amount of<br \/>\n<span class=\"hidden_text\">                                                                Page 2 of 3<\/span><br \/>\n            premium received. Policy-wise calculation of such loss is extremely<br \/>\n           difficult and costly (and not really needed for practical purpose).<br \/>\n           Overall lapsation of a policy results into loss of expected profit that<br \/>\n           would have been generated had the policy been in force for the full<br \/>\n           term.\n<\/p>\n<p>       10. During the lifetime of a life insurance policy it acquires two values<br \/>\n           namely, intrinsic value and time value. At early duration of the policy<br \/>\n           its intrinsic value is small positive or may even be negative but time<br \/>\n           value will normally be positive. This is the reason why at early<br \/>\n           duration surrender value is zero (intrinsic value is negative or small<br \/>\n           positive) but the policy may have positive auction value (positive time<br \/>\n           value).\n<\/p>\n<p>       11. Finally, in life insurance even if the policyholder dies after paying only<br \/>\n           one premium, he has to be paid the full sum assured. E.g. if one<br \/>\n           insures for ten lakhs, and the first installment of Rs. 10000\/- (Hly<br \/>\n           mode), only is paid, and he dies in an accident, LIC pays TWENTY<br \/>\n           LAKHS to the claimant\/nominee. This loss is distributed among<br \/>\n           surviving and continuing policyholders. In a given year, there will be<br \/>\n           atleast 10 to 15 % in the proportion of such claim . This is the purpose<br \/>\n           of insurance and hence, IN the first five years an insurance company<br \/>\n           incurs loss for death claims, lapses and Surrenders. Therefore, there<br \/>\n           is huge loss due to lapsed policies to LIC.\n<\/p>\n<p>       In view of the facts whatever stated above we would request your honour<br \/>\n       to consider our decision and obliged.&#8221;\n<\/p>\n<p>5.     Respondents have persuasively argued how the information requested by<br \/>\nthe appellant was not maintained in the form it was asked for and how its volume<br \/>\nis such that collecting and collating it cannot be done without diversion of<br \/>\nsubstantial resources of the respondents.\n<\/p>\n<p>6.     In view of the submissions of the respondents, which are credible, it is<br \/>\ndirected that there shall be no disclosure obligation for the requested information.\n<\/p>\n<p>7.     Appeal disposed of with these directions.\n<\/p>\n<p>8.     Copy of this decision be sent to the parties.\n<\/p>\n<p>                                                           ( A.N. TIWARI )<br \/>\n                                              INFORMATION COMMISSIONER<\/p>\n<p><span class=\"hidden_text\">                                                                          Page 3 of 3<\/span>\n <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Central Information Commission Shri Shyam Lal Yadav vs Life Insurance Corporation Of &#8230; on 5 December, 2008 CENTRAL INFORMATION COMMISSION &#8230;.. F.No.CIC\/AT\/A\/2008\/00668 Dated, the 05th December, 2008 Appellant : Shri Shyam Lal Yadav Respondents : Life Insurance Corporation of India This matter was heard on 04.12.2008 in response to Commission&#8217;s notice dated 08.10.2008. Appellant was [&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":[39,1],"tags":[],"class_list":["post-233238","post","type-post","status-publish","format-standard","hentry","category-central-information-commission","category-judgements"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Shri Shyam Lal Yadav vs Life Insurance Corporation Of ... on 5 December, 2008 - 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\/shri-shyam-lal-yadav-vs-life-insurance-corporation-of-on-5-december-2008\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Shri Shyam Lal Yadav vs Life Insurance Corporation Of ... on 5 December, 2008 - Free Judgements of Supreme Court &amp; 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