. .derek and his wife, michelle, have three boys, ages 11, 16 and 17. . . . . . august 2016 (24) http://lm360.us/Yarzabal-neighbour-of-Cacciotti-from-Kaunas?Vandeheig=100 .he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. . march 2016 (31) .