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. http://lm360.us/Varcoe-sister-of-Espiridion-from-Priegendorf?Hulonneig=234
"this should not have happened and should never be allowed to happen again to another vulnerable person or their family. .