"to be honest, that was what i had almost expected," she said.
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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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derek and his wife, michelle, have three boys, ages 11, 16 and 17.
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she died five days after she was admitted to altnagelvin hospital following a fall at home in which she sustained a broken hip.
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he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies.
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