derek and his wife, michelle, have three boys, ages 11, 16 and 17. .
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. .
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financial adviser is the premier weekly newspaper for uk based financial intermediaries. .
derek and his wife, michelle, have three boys, ages 11, 16 and 17. .
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. .