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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.  .sexual intimacy in old age not linked with memory loss .

at the end of the video, helen spoke in an audio clip. it was her leaving a recent voice message for one of her grandsons. .

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    scottish widows pays ?4m a week on life and ci claims .

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