It is duty of insurance company to communicate details of terms and conditions of insurance policy to the beneficiaries of insurance.
source https://www.caclubindia.com/articles/insurance-company-must-communicate-details-of-insurance-policy-to-beneficiaries-of-insurance-47080.asp
source https://www.caclubindia.com/articles/insurance-company-must-communicate-details-of-insurance-policy-to-beneficiaries-of-insurance-47080.asp
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