the facts that led to the captioned appeal, are as follows: - The appellants are the widow and the children of one Shri Narender Kumar Kantilal Modi (hereafter referred to as ‘the deceased’) who met with an accidental death due to electric shock on 14.07.1996. Prior to his death, the deceased submitted a proposal form for Life Insurance Policy on 06.07.1996 and issued cheque of Rs. 3388/- towards premium on 09.07.1996 through cheque No. 187009 dated 08.07.1996 of Dhokla Branch of State Bank of Saurastra. At this juncture, it is to be noted that there is no dispute regarding the permissibility of effecting premium in the said mode. After the death of the deceased the appellants herein claimed benefits based on Insurance Policy Diary No. 832471906. Even after 14 months since the death of the policy holder, the C.A. No.270 of 2012 Page 2 of 35respondent did not give any benefit and as such the appellants were constrained to cause legal notice. The stand of the respondent for repudiating