�long delays can put people under incredible stress at an already difficult time and could also mean that someone�s health could take a turn for the worse.
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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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mainstream reporters and editors and publishers are well aware that telling the truth and continuing to pound on it would undermine a basic institution of society.
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