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on critical illness, 4.6 per cent of claims were declined due to the definition not being met and 2.3 per cent were due to misrepresentation. . .
scottish widows' figures were compiled using the abi guidance for calculating claims statistics. http://lm360.us/Linke-neighbour-of-Milovich-from-Quebec?Castlesgr=117 .
written reports, including local media accounts, professional medical papers and internal emails were also examined.
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