of the proposal for insurance policy. To arrive at such conclusions, it relied on the decision of this C.A. No.270 of 2012 Page 7 of 35Court in Life Insurance Corporation of India v. Raja Vasireddy Komalavalli Kamba and Ors.1. It was held that the fora below had erred in directing for payment of benefits in terms of the subject policy. 8. Various contentions were raised on behalf of the parties before us to support their rival contentions. We have already taken note of the factual contentions raised on behalf of the parties. In the light of the contentions the question to be considered is whether the NCDRC was justified in reversing the concurrent orders of the forums below and in dismissing the complaint. It is to be noted that even after dismissing the complaint NCDRC took note of the offer made by the respondent to the appellant for payment of an amount of Rs. 1 Lakh ex-gratia vide paragraph 4 (d) of the memo of the revision petition, and issued a specific direction to the