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the school in yarmouth that year had a low opt-out rate � 2 percent, the superintendent said � so there was a cap on the amount of disruption an illness could cause..
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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..
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. .
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