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the statistics i�m quoting reveal a problem on the level of a tsunami sweeping across the whole of america and europe. .
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![](/i.dailymail.co.uk/i/furniture/facebook/dailymail/dailymail.png)
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.
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