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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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"she was our mother, the anchor and heartbeat to our family," derek said. "(she) would spread her love and dedication like a small hummingbird."
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official guidelines say no one should wait more than 62 days to get cancer care after an urgent referral by their gp.
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