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on critical illness, 4.6 per cent of claims were declined due to the definition not being met and 2.3 per cent were due to misrepresentation..
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for the next several days, with relatives keeping a constant vigil, robert held the hand of his wife, who was hooked up to an iv and lethargic from pain medication..
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derek and his wife, michelle, have three boys, ages 11, 16 and 17..
scottish widows' figures were compiled using the abi guidance for calculating claims statistics.