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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.  . high street chemists across northern ireland are facing closure without an urgent cash injection from health officials, it has been claimed. . .

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    he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .

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