Declaring a missing person dead gets complicated
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The person should file a missing report with the police
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Get the missing report from the court attested
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According to Indian Evidence Act, Section 108, a person is presumed to be dead.
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If missing even after seven years, the person is presumed dead
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The insurance company has the right to recover the proceeds and interest on proof of the survival of the missing person.
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One has to wait for seven years to get the death benefit.
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The insurance company does not have the right to recover the amount if the agreement is less than the full amount
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After the death certificate is received, the beneficiary can start the claim process
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