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the school in yarmouth that year had a low opt-out rate � 2 percent, the superintendent said � so there was a cap on the amount of disruption an illness could cause. . .
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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twins treated for genetic disorder in the womb .
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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