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derek and his wife, michelle, have three boys, ages 11, 16 and 17. . .
helen, from marion, ill., had three children from a previous marriage. .
alan knowles, managing director of cura financial services, said: “scottish widows are delivering on their word to customers by paying the majority of the claims they see. .
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. . .
the statistics i�m quoting reveal a problem on the level of a tsunami sweeping across the whole of america and europe. .