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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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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. . .
for the next several days, with relatives keeping a constant vigil, robert held the hand of his wife, who was hooked up to an iv and lethargic from pain medication. .
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