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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. . .
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. scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance.
. the news highlighted another factor in the chinese threat: regardless of the different regulatory framework, many researchers think the data they report is valid.
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