alan knowles, managing director of cura financial services, said: “scottish widows are delivering on their word to customers by paying the majority of the claims they see. .

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. .

it also recommends building more secure restrooms and hand-washing stations in areas where homeless people congregate..