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he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies...
of the life claims declined, 0.85 per cent were due to mis-representation and 0.16 per cent due to the definition of terminal illness not being met. .
staff had moved mrs cavanagh's body before a doctor had pronounced her dead and before informing the coroner's office..