robert, from los angeles, had four children from a previous marriage when he met helen through friends in the early 1960s. . . .
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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. .
. .robert, from los angeles, had four children from a previous marriage when he met helen through friends in the early 1960s. . . .
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