. . . . http://lm360.us/Wittie-brother-of-Gaito-from-Longueuil?Cianfrani=226 january 2007 (23) . . . . . november 2010 (18) .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. .