All life Insurance contracts are governed by section 45 of Insurance Act – meaning indisputability of Insurance Contract after 2 years of policy commencement or policy reinstatement.

What Does Mean of Section 45 in Insurance to General Public


A: Death Cover


  1. Any death within first three years of policy or reinstatement of Policy will be called Early Death and Insurer can and should do proper investigation before paying the claim.
  2. Insurer are custodian of Public fund and it is their duty to ensure that no one take advantage of the system by taking Insurance Policy by hiding facts and giving wrong information ,
  3. In three year, Insurer has right to dispute the claim and onus to prove the validity of facts is on the family of nominee.
  4. If death happens after three years then Insurance Company can not dispute the claim on the basis of non declaration of material facts. Which means no insurance company can deny the claim if the event occurs after two years of policy commencement or reinstatement .If a company still wants to argue then onus of establishing the facts is on the Insurer .
    1. Get Resolutions for Insurance Complaints

      B. Survival

      1. All Iife insurance contracts can be terminated by Insurance company within three years of Policy if Insurer feel that contract has been done on wrong declaration.
      2. In case of Policy termination within three year, Insurance Company will have to refund all paid premium.

      Application of Section 45:


      All Insurance contracts are made on the principle of utmost good faith where Insurer is accepting the risk on the basis of Proposal Form only. There is organised crime where Policy has been taken on dead persons by giving wrong declaration. Hence Section 45 gives a three year window to investigate cases and curb all malpractices.

      Duty of Insured to Declare all facts related to the following:

      1. Medical History
      2. Declaration of early deaths in family – if parents have died before the age of 50.
      3. Declaration of early age morbidity in family
      4. Occupation Hazards like working for Nuclear Establishment or Mines
      5. Adventures Hobbies like Motor Racing
      6. Details of previous policies
      7. Income
      8. Visits to countries in danger zone.

      If all declaration has been done with honesty then even early death claims will be paid. But insured can be sure that all claims after three years of policy will not be disputed.

      It is important that all premiums are paid in time because each revival of lapse policy will reinstate three years clause from the date of revival.

      Get Resolutions for Insurance Complaints

      If you have any kind of problem regarding Section 45 or want to know more about it please reach us to below given details.

      To reach us at InsuranceSamadhan.com –

      Call us at: 844 844 0626

      Mail us at:  corporate@insurancesamadhan.com

      Register your insurance complaint here