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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. .
"there may be subtle differences (between animals and humans) that we don't know about," klein said.
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© telegraph media group limited 2018
the staff's "dearth of knowledge" about the correct procedure to follow when someone dies unexpectedly was also highlighted. .