JUSTICE J. M. MALIK, PRESIDING MEMBER (ORAL) 1. Learned counsel for the parties present. Arguments heard. 2. Shri Maddi Madhava Rao, husband of the complainant, smt. Maddi Jayalakshmi applied for two insurance policies on 20.12.2006 and paid Rs.10,000/- each towards the premiums. The date of maturity was 28.12.2011. Unfortunately, Shri Maddi Madhava Rao expired on 31.12.2006. The policies were sent to the complainant/petitioner on 1.1.2007 after his death for personal service. Shri Maddi Madhava Rao had died before he communicated the acceptance. It is clear that Shri Maddi Madhava Rao died after three days of submission of proposal forms. 3. The State Commission has rightly placed reliance upon the Supreme Court authority reported in LIC of India vs. Raja Vasireddy Komalavalli Kamba and Others AIR 1984 SC 1014 wherein it was held that the contract of insurance shall stand concluded only when the party whom an offer has been made accepts it, unconditionally, and communicates his acceptance to the person making the offer. -3- Consequently, there was no concluding contract. Therefore, the claim made by his wife, Smt. Maddi Jayalakshmi was rightly rejected. 4. The revision petition has no merits, therefore, the same is hereby dismissed. | 
