12th September, 2014. Re: Concessions and relaxations to Policyholders affected by floods in the State of Jammu & Kashmir in September 2014.( http://www.licindia.in/pages/Internet_message--Concessions&relaxations_to_Policyholders.pdf ) The floods in the State of Jammu and Kashmir have caused massive loss of property and Infrastructure. Many have lost their lives and many more are feared missing. These include local residents and also others who are tourists to those areas. It has been decided to provide the following relaxations to the Policyholders affected in order to mitigate the hardships faced by the claimants in respect of settlement of claims. (A) Settlement of Claims : 1) Early/Non-early claim: If the death claim or disability was due to the floods, the claim will be treated as non-early, irrespective of the duration of the policy. Hence, the claim forms B, B1,C, E etc. and claim investigation can be dispensed with. Such claims can be processed at the Bra...