robert, from los angeles, had four children from a previous marriage when he met helen through friends in the early 1960s. .
the report called this �one of the most significant perils to humans resulting from human activity.� . .
the provider paid out on 7,469 life and 1,769 critical illness claims in the year, with men accounting for 59 per cent of life claims and 47 per cent of critical illness claims. .