Declaring a missing person dead gets complicated

The person should file a missing report with the police

Get the missing report from the court attested

According to Indian Evidence Act, Section 108, a person is presumed to be dead.

If missing even after seven years, the person is presumed dead

The insurance company has the right to recover the proceeds and interest on proof of the survival of the missing person.

One has to wait for seven years to get the death benefit.

The insurance company does not have the right to recover the amount if the agreement is less than the full amount

After the death certificate is received, the beneficiary can start the claim process