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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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      senator: sir, i have the numbers in front of me. how can you keep this secret from the public? .

      bruschi, who said he never fell into smoking cigarettes though he enjoys a cigar now and then, has a favorable view of raising the tobacco purchase age, too. .

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    scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance. .