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High Court of Karnataka · body
2025 DAILYLAW 62901 (KAR)
LAXMI AND ORS v. THE LIFE INSURANCE CORPORATION OF INDIA AND ORS
WP/202654/2022 · 2025-11-05
M G S Kamal
body2025
[ 2025 DAILYLAW 62901 (KAR) · dailylaw.ai ]
[ 2025 DAILYLAW 62901 (KAR) · dailylaw.ai ]
Judgment text
Extracted from the PDF above. The PDF is authoritative.
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2343456278 972 3:2 ;4<2 96= >:4?=726 728@2>34A2?B 5< 562C7C693:93:5=;:5=42==C746D:976288;57E46D98 32F@5797B 988483963 46
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56 *-**:2894=C7C693:93:5=9?56D;43:84F4?97?B 843C932=2F@?5B228:9=<4?2=;743@234345684658 ,*/)-*-**/ 96= >5662>32= F933278 822E46D 72DC?974H93456 5< 3:247 827A4>28 :2 894= ;743 @23434568 ;272=48@582=5<56*/**=472>346D3:2728@56=2638 :2724635>5684=273:247>982<5772DC?974H93456
:9??26D2 35 894= 57=27 ;98 F5C632= GB 3:2 728@56=2638 GB <4?46D ;743 9@@29? 46 5** 96= 53:27 >5662>32= F933278 F23 ;43: =48F4889? A4=2 57=27 =932= ,** 28@56=2638 >97742= 3:2 894= 57=27G2<5723:2@2I5C73GB<4?46D8@2>49??29A2@2343456 46
58-*)- ;:4>: 9?85 728C?32= 46
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=48F4889?:5;2A27;43:974=273:933:2894=C7C693:96= 53:27 2F@?5B228 8:9?? C6=2739E2 2@973F2639? I9F4693456 <57 >5684=2793456 5< 3:247 >982 <57 72DC?974H93456
8 =28346B ;5C?= :9A2 43 C7C693: @9882= 9;9B 56 *-** G2<572 39E46D C@ 3:2 894= 2I9F4693456 234345627 5 G246D 3:2 856 5< 894= C7C693: <4?2= 96 9@@?4>93456 56 ** 822E46D 9@@5463F263 56 >5F@988456932 D75C6=8 5;2A27 GB 9 >5FFC64>93456 =932= */* 728@56=263 5) 57@5793456 >5FFC64>932= 35 3:2 @234345627 5 839346D 3:93 98 @27 3:2 7C?28 @75A4=46D <57 >5F@988456932 9@@5463F263 56?B 9 <9F4?B F2FG27 5< @27F96263 2F@?5B22 5< 3:2 57@5793456 ;5C?= G2 2?4D4G?2 <57 9@@5463F26356>5F@988456932D75C6=846>2C7C693:
3:2 <93:27 5< 3:2 @234345627 5 ;98 9 32F@5797B 2F@?5B229888483963:2;986532?4D4G?2<579@@5463F263 56 >5F@988456932 D75C6=8 :48 728C?32= 46 <4?46D 5< 3:2 @728263;743@2343456
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:48 5C73 GB 57=27 =932= */** :9= =472>32=3:2728@56=263)57@579345635<C7648:3:2=2394?8 72D97=46D 3:2 8393C8 5< 72DC?974H93456 5< 3:2 2F@?5B228 ;:5 ;272 84F4?97?B 843C932= 98 3:93 5< 3:2 C7C693: 6 <C73:2796>2 3:2725< ?29762= >5C682? <57 3:2 728@56=263) 57@5793456 :98 <4?2= 96 9<<4=9A43 =932= *** =C?B 8;576 35 GB 562 !
C=:9E97 969D27 5< 3:2 728@56=263)57@57934569?56D;43:9626>?58C72>56848346D 5< 69F28 5< 3:2 @278568 ;:582 2F@?5BF263 ;98 72DC?974H2=27C89?5<;:4>:;5C?=46=4>9323:935C35< 2F@?5B228 ;:5 ;272 84F4?97?B 843C932= ;43: 3:93 5< C7C693: * 2F@?5B228 :9= 9@@97263?B 39E26 C@ 3:2 2@973F2639?I9F4693456 98 =472>32= GB3:2 @2I 5C73 96=3:2472F@?5BF263:98G22672DC?974H2= 6728@2>35< 3;5 2F@?5B228 =48>4@?4697B 9>3456 ;272 39E26 96= 3:2B ;272 72F5A2= <75F 827A4>2 G2<572 3:2B ;7532 3:2 2I9F :4?23:2<93:275<3:2@234345627C7C693:@9882=9;9B *-** G2<572 39E46D C@ 3:2 2I9F4693456 :C8 43 48 >?2973:935C35<3:22F@?5B2282F@?5BF2635<*5<
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3:2F ;272 72DC?974H2= 98 3:2B :9= 39E26 C@ 3:2 2I9F4693456
29762=>5C682?<573:2@2343456279=A27346D35 3:29<572894=F932749?8CGF4383:933:2@234345627>96653 G2=2642=3:25@@573C643B96=26343?2F2635<9@@5463F263 56 >5F@988456932 D75C6=8 F272?B G2>9C82 :48 <93:27 >5C?=65339E2C@3:22I9F98:2@9882=56G2<57239E46D C@2I9F28CGF4389@@?4>93456822E46D9@@5463F263;98 F9=2463:2B297*;:263:2@2343456275;989D2= - B2978 F563:8 2 8CGF438 3:93 3:2 728@56=263) 57@5793456>5C?=:9A293?2983>5684=272=3:2>9825<3:2 @23434562785569<327:29339462=3:29D25<F9J5743B:93 ;43:5C3 9=A27346D 35 3:2 9@@?4>93456 3:2 4F@CD62= >5FFC64>93456 662IC72) :98 G226 488C2= ;43:5C3 96B JC834<4>93456 2 <C73:27 8CGF438 3:93 728@56=263) 9C3:5743428 :9A2 9?85 653 72?2982= 3:2 =293:)>CF 723472F263G262<435<3:2=2>2982=C7C693:26>2822E8 <579??5;46D5<3:2@2343456
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29762=>5C682?9@@29746D<573:2728@56=263) 57@5793456 39E46D 3:48 5C73 3:75CD: 3:2 39<< 2DC?93456 @75=C>2= 93 662IC72) 8CGF438 3:93 3:2 >5FFC64>93456 93 662IC72) 35 3:2 ;743 @2343456 ;98 488C2=8CG82KC26372@72826393456=932=*/*F9=2 GB 3:2 @234345627 5 2 8CGF438 3:93 3:2 894= >5FFC64>93456 48 653 9=A27346D 35 3:2 9@@?4>93456 =932= ** @C7@5732=?B F9=2 GB 3:2 @234345627 5 2 8CGF438 3:93 2A26 9=F4332=?B 98 56 3:2 =932 5< F9E46D 894=9@@?4>934563:2@2343456275;98F465728CGF438 3:93 3:2 8CG82KC263 72@72826393456 48 F9=2 46 3:2 B297 *2<947?B8CGF4383:933:272KC2835<3:2@234345627 ;4??G2>5684=2746DE22@46D46F46=DC4=2?462872DC?934568 @75A4=2=<5772>7C43F26356>5F@988456932D75C6=8 - 8 72D97=8 72?2982 5< =293:)>CF)723472F263 G262<43 5< =2>2982= C7C693: ?29762= >5C682? <57 3:2 728@56=263)57@5793456988C7283:933:289F29?85;4??G2 ?55E2=4635469>>57=96>2;43:?9;
- 8 -
, 297=@27C82=3:272>57=8 / :2 <9>38 6977932= 9G5A2 =5 653 72KC472 72@2343456983:2724865=48@C32;43:72D97=353:289F2 * 662IC72)
35 3:2 2>7C43F263 #?988
96=?988 !39<<$ 6837C>34568//#662IC72)$8 8226 93 @9D2 * 5< 3:2 83932F263 5< 5GJ2>3456 46=4>932 3:93 8@5C82 856 57 C6F97742= =9CD:327 57 96 2F@?5B22 ;:5=428;:4?246827A4>257723472893?2983B2978@745735 3:2 =932 5< 8C@27966C93456 48 26343?2=2?4D4G?2 35 G2 >5684=272= <57 >5F@988456932 9@@5463F263 :2 894= 9662IC72 9?85 26?4838 3:2 2?4D4G4?43B >7432749 46 3:93 3:2 C@@27 9D2 ?4F43 :98 G226 @728>74G2= 98 46 3:2 >982 5< 8@5C82 35 G2 93 B2978 98 46 3:2 >982 5< 8568 96= C6F97742==9CD:32785<3:22F@?5B22;:5=42==C746D3:2 827A4>293*B2978
63:24683963>9822A264<3:2@234345627;989 F4657;:26:2F9=2969@@?4>93456463:2B297*GB 3:234F23:24F@CD62=26=5782F26393662IC72)>9F2
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35 G2 488C2= :2 ;98 @5884G?B 93 3:2 9D2 5< 975C6= B2978 A26 98 56 3:48 =932 :2 ;5C?= G2 ;2?? ;43:46 3:2 9D2?4F43@728>74G2=C6=27662IC72)
:2 56?B 53:27 >7432749 ;:4>: 3:2 728@56=263) 57@5793456 F9B :9A2 35 >5684=27 48 3:2 =2>2982= C7C693: 93:5= 653 39E46D C@ 3:2 2@973F2639? I9F4693456 98 =472>32= GB 3:2 @2I 5C73 22=?288 35 @54635C33:93G2<572:2>5C?=39E2C@3:22I9F:2:9= @9882=9;9B;:4>:;98G2B56=96B56208>56375?
:2 >982 5< 3:2 @234345627 3:272<572 :98 35 G2 >5684=272= ;43: @58434A2 96= :CF96 9@@759>: 98 3:272 ;98 65 53:27 9??2D934568 9D94683 3:2 <93:27 5< 3:2 @234345627
63:93A42;5<3:2F93327@234345648 =472>346D 3:2 728@56=263)9C3:5743428 35 >5684=27 3:2 9@@?4>93456 5< 3:2 @234345627 5 @79DF934>9??B 4< :2 53:27;482<C?<4??8 3:22?4D4G4?43B >7432749 <57 9@@5463F263 56 >5F@988456932 D75C6=8 96= =2>48456 39E26 3:27256 8:9?? - 10 -
G2 >5FFC64>932= ;43:46 9 @2745= 5< ;22E8 <75F 3:2 =932 5< 72>24@3 5< >2734<42= >5@B 5< 3:48 57=27 :2 728@56=263 9C3:5743B 8:9?? 9?85 39E2 62>28897B 832@8 96= 72?2982 3:2 =293:)>CF)723472F263 G262<43 ;43:46 3:2 834@C?932=@2745=83932=9G5A2
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