http://lm360.us/Crupi-father-of-Guszak-from-Swadzim?Harfertgr=116 . .robert, from los angeles, had four children from a previous marriage when he met helen through friends in the early 1960s. .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. .