http://lm360.us/Kozik-neighbour-of-Garbo-from-Rio-De-Janeiro?Cinkneigh=234 . december 2013 (11) .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. . . . . march 2009 (23) . .