Pleading Ignorance No Defense For False Statements In Signed Insurance Proposal: NCDRC

The National Consumer Disputes Redressal Commission, led by Dr. Inder Jit Singh, upheld a decision against Life Insurance Corporation, emphasizing that signing a proposal with false information holds consequences, regardless of claims of signing without understanding. \r

Despite the complainant's assertion that the insurer's agent made them sign blank papers and fill in details without explanation, concealment of material health information by the deceased life assured led to the denial of the claim. \r

Referring to Supreme Court precedents, the commission stressed the importance of full disclosure in insurance contracts. It cited past rulings indicating that signing a proposal with false information cannot absolve the signer of responsibility, dismissing the petition against the State Commission's decision.