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first northern ireland tim hortons coffee shop to open . .
the provider paid out on 7,469 life and 1,769 critical illness claims in the year, with men accounting for 59 per cent of life claims and 47 per cent of critical illness claims. .
the situation has become so bad that a cross-party committee of politicians called it a . .
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .