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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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"it has been a long two years and throughout that time the western trust has not been assisting us in trying to understand the circumstances around our mother's death. . .
"their serious adverse incident process has been wholly inadequate and what we have heard this week is a damning indictment of the western trust.
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