Holding IndiaFirst Life Insurance Company Ltd deficient in service for cancelling her late husband’s housing loan insurance cover without notice, the national consumer disputes redressal commission (NCDRC) has directed the insurer to pay Rs17.37 lakh along with 7% annual interest to Suman Soni, widow of late Dilip Kumar Soni. NCDRC observed that the insurer’s conduct—retaining the premium for ten months before refunding it without any intimation to the insured or Andhra Bank—amounted to a clear deficiency in service. In an order last month, the NCDRC bench of air vice-marshal (AVM) J Rajendra (retd) and justice Anoop Kumar Mendiratta says, "The deficiency in service on the part of IndiaFirst Life Insurance, after having received the complete premium in advance is manifest. Considerin

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