Why does an officer conduct special enquiry in the case of death claim which arose after 4 years?

The correct answer is: A. On suspicion of suppression of facts.

A special enquiry is conducted in the case of death claim which arose after 4 years because there is a suspicion of suppression of facts. This is because the insured person has died after a long period of time, and there is a possibility that the policyholder may have concealed information about the insured person’s health or lifestyle. This could lead to a claim being denied, so the insurance company wants to make sure that all the facts are known before making a decision.

The other options are not correct because:

• B. As a precaution: This is not the reason why a special enquiry is conducted. The insurance company does not conduct a special enquiry as a precaution in all cases of death claims.
• C. As a routine: This is not the reason why a special enquiry is conducted. The insurance company does not conduct a special enquiry as a routine in all cases of death claims.
• D. For large sum assured: This is not the reason why a special enquiry is conducted. The insurance company does not conduct a special enquiry only in cases of death claims with a large sum assured.