derek and his wife, michelle, have three boys, ages 11, 16 and 17.
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the youngest adult claimant was aged 21, and the eldest aged 79. the age of the youngest children's claim was 8.2 months.
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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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.