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    when robert had to go on full medical disability in his early 50s after hurting himself at work, helen went back to work, this time in the oil industry. .

    written reports, including local media accounts, professional medical papers and internal emails were also examined. .

    he would caress her arm and repeatedly tell her, "babe, babe, it's ok." .

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the youngest claimant was aged 20, and the eldest aged 89, while the average policy duration at claim stage was 10 years. .

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.  . 0 .truste

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