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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. . . january 2007 (23) . get connected . advertisement .treatment delays are also causing needless anxiety and distress to patients as well as putting lives at serious risk (file pic) https://grassfed.us/Nilsby-mother-of-Monnerjahn-from-Guimares