Insurance Claim–Repudiation–Consumer complaint–Allowed by State Commission–National Commission reversed the order–Justification–Condition precedent for acceptance of premium was the medical examination–When the Insurer accepted the premium, it waived the condition–Further, it informed the appellant after 2-1/2 years that the policy was not accepted–Such excessive delay cannot be excused–No reason to believe that there was no complete contract–Impugned order of National Commission set aside and order of State Commission restored.
