case, it is only appropriate to refer to certain recitals from the order of the District Forum. They, in so far as relevant, read thus:- C.A. No.270 of 2012 Page 20 of 35“1…………………………………..……………………… ………………. The deceased had filled up the proposal form of the said disputed policy on 06.07.1996 and issued cheque of Rs. 3388/- towards premium on 09.07.1996 through' cheque of Rs. 187009/- of State Bank of Saurastra and the opponent accepted the said premium and issued said policy no. 832471906. The opponent also prepared cover note with the details of said policy. The opponent also issued receipt for the said premium. The deceased has accordingly accident benefit policy. The policy holder insured Narendra Kumar K. Modi, the complainant husband died due to electric shock and it is proved by death certificate issued the Medical caused by electric shock passing through the body. He died at young age. It was sudden and accidental death…………………………………… ……………..…This complaint was filed before this