(a) On a policy of insurance when the sum insured is payable after proof of the death has been given to or received by the insurers. (b) On a policy of insurance when the sum insured is payable after proof of the loss has been given to or received by the insurers

Period of limitation: Three years.

Time from which the period begins to run: (a) The date of the death of the deceased, or where the claim on the policy is denied, the date of such denial. (b) The date of the occurrence causing the loss, or where the claim on the policy is denied, the date of such denial.