of the life claims declined, 0.85 per cent were due to mis-representation and 0.16 per cent due to the definition of terminal illness not being met. .
when robert had to go on full medical disability in his early 50s after hurting himself at work, helen went back to work, this time in the oil industry. . .
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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