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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. . northern ireland civil service's 'hands tied' over restrictions on betting machines .
"the treatment of our family and the behaviour of the western trust has been disgraceful, they should be ashamed of themselves..
scottish widows' figures were compiled using the abi guidance for calculating claims statistics..