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. .

bruschi, who said he never fell into smoking cigarettes though he enjoys a cigar now and then, has a favorable view of raising the tobacco purchase age, too..

treatment delays are also causing needless anxiety and distress to patients as well as putting lives at serious risk..

the total amount paid out in life claims was £129.4m, with £13.46m paid in terminal illness claims..