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scottish widows to launch mass market drawdown .
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. .
on saturday, may 5, with her husband beside her, helen's condition turned grave. .
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scottish widows to launch mass market drawdown
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�we have waited a long time and we cannot possibly wait any longer,� karmenu vella, european commissioner for environment, told the guardian. .