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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cutting luxuries could give savers extra ?10k in retirement.
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helen, from marion, ill., had three children from a previous marriage...
when robert had to go on full medical disability in his early 50s after hurting himself at work, helen went back to work, this time in the oil industry..