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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.  .

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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. .

the state launched a review into the newspaper�s findings in late april.

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�this negligence must not be allowed to continue,� budkie�s letter states. �the university of california, berkeley, has clearly failed to follow federal regulations and guidelines.� .

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