If a claim is made in January 2007 under a policy, which commenced in May 2002, stating that the life insured had died in April 2004,

Solution (By Examveda Team)

If a claim is made in January 2007 under a policy, which commenced in May 2002, stating that the life insured had died in April 2004, Section 45 of the Act will not apply, The claim can be treated as an early claim and Foul play must be suspected.