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.
http://lm360.us/Alberda-neighbour-of-Schultes-from-La-Praz?Yeaterfat=257
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“it may be just out of an abundance of caution and privacy. certainly, staying a little longer may imply that this is a little bit more of a complex situation.” .