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in particular, the country has extreme levels of nitrogen dioxide due to heavily congested roads in urban areas, .
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. . november 17, 2014 .
scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance. .