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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. .
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derek and his wife, michelle, have three boys, ages 11, 16 and 17. .
she died five days after she was admitted to altnagelvin hospital following a fall at home in which she sustained a broken hip. .
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .
he would caress her arm and repeatedly tell her, "babe, babe, it's ok." .
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