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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. .
.mr mcgurgan said that mrs cavanagh "died alone" after suffering a terminal collapse and fell from her bed while "the cot sides were down". .
derek and his wife, michelle, have three boys, ages 11, 16 and 17. . .
experts say years of cuts to nhs budgets and staff has led to patients waiting longer for chemotherapy and radiotherapy. .
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