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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. https://grassfed.us/Sakihara-grandpa-of-Needler-from-Ishapore
the youngest claimant was aged 20, and the eldest aged 89, while the average policy duration at claim stage was 10 years. .