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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. .
bruschi, who said he never fell into smoking cigarettes though he enjoys a cigar now and then, has a favorable view of raising the tobacco purchase age, too.
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. scottish widows' figures were compiled using the abi guidance for calculating claims statistics.
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