Problem in case of consumer protection avt

The insured (since deceased) had taken out four life

policies with double accident benefits, premium payable half-yearly. When the

third premium fell due, an agent of the insurer met the insured and took a

bearer cheque towards the premium payable by him in respect of the policies.

Although, the cheque was encashed immediately, it was not deposited with the

insurer for 3 months. In the meantime, the insured met with a fatal accident and

died. The widow filed a claim for payment of the sum assured. The insurer

pleaded that the insurance agent had no implied authority to collect the

premium. Will the widow succeed in her claim?