According to the Consumer Protection Act, 1986, a widow of a life insurance policy holder is considered a consumer. The Act provides protection to consumers against unfair trade practices and ensures their rights are safeguarded. In this case, the widow can avail of the benefits and remedies provided under the Act.


The Consumer Protection Act defines a consumer as any person who buys any goods or hires any services for a consideration. It also includes any user of such goods or services with the consent of the buyer. Therefore, the widow of a life insurance policy holder who is entitled to claim the benefits of the policy can be considered a consumer as she falls under the definition mentioned in the Act.


A life insurance policy is a contract between the policy holder and the insurance company. The policy holder pays regular premiums to the insurance company, and in return, the company provides financial coverage in case of the policy holder's death. The policy holder's death triggers the payment of the sum assured to the nominee or beneficiary, which in this case is the widow.


As a consumer, the widow of a life insurance policy holder is entitled to certain rights and protections under the Consumer Protection Act, 1986. These include:

1. Right to be informed: The widow has the right to be provided with all the necessary information regarding the life insurance policy, including its terms, conditions, and benefits.

2. Right to safety: The Act ensures that the widow is protected from any unfair or hazardous practices by the insurance company.

3. Right to seek redressal: In case of any deficiency in the services provided by the insurance company, the widow has the right to seek compensation or file a complaint with the appropriate consumer forum.

4. Right to be heard: The widow has the right to be heard and present her case before the consumer forum, ensuring that her grievances are addressed.

5. Right to a fair settlement: If the insurance company denies or delays the claim without any valid reason, the widow can seek a fair settlement and compensation under the Act.


In conclusion, the widow of a life insurance policy holder is indeed a consumer under the Consumer Protection Act, 1986. This recognition ensures that she is entitled to the rights and protections provided by the Act, allowing her to seek redressal in case of any unfair or deficient services provided by the insurance company.