. researchers examined 1,714 samples over six months and found that just 39 per cent contained what they buyer thought they had been sold .. .at the end of the video, helen spoke in an audio clip. it was her leaving a recent voice message for one of her grandsons... october 2012 (24).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.