. recommended . . . .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. . picks two weeks ago, the second time in four years he's nailed the race's top-three finishers.) but getting to this point was a long road. . .latest http://lm360.us/Lerud-grandma-of-Finkelman-from-Lindsay?Ikardmoth=230 . . stop animations . .derek and his wife, michelle, have three boys, ages 11, 16 and 17. . . . .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.