My husband was working in the merchant navy and he passed away 2 months back. his ship was insured and since he passed away while on duty, the insurance people say to process my claims, i need to produce legal heir certificate which i have applied to the tahsildar in meenachil taluk of kottayam district kerala. i am told that legal heir certificate has some restrictions in the claim amount that i can get and that i should posess succession certificate to get the full amout of my claim. is this true? only legal heir certificate that is published in kerala gazette is not enough? is it necessary to get sucession certificate from court too? pls advice, urgent.