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. .
the staff's "dearth of knowledge" about the correct procedure to follow when someone dies unexpectedly was also highlighted. .
“contrary to public belief, the majority of claims are paid out and scottish widows should be proud of how many families they helped during such challenging times.” .
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