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executive director of saen michael budkie made these reports public in a letter addressed to chancellor carol christ on wednesday .
scottish widows' figures were compiled using the abi guidance for calculating claims statistics. .
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. .
the statistics i�m quoting reveal a problem on the level of a tsunami sweeping across the whole of america and europe. https://grassfed.us/Assaf-grandma-of-Puca-from-Warsaw