"we were quite surprised to find there were no significant differences," says study author.
researchers examined 1,714 samples over six months and found that just 39 per cent contained what they buyer thought they had been sold
executive director of saen michael budkie made these reports public in a letter addressed to chancellor carol christ on wednesday.
the total amount paid out in life claims was £129.4m, with £13.46m paid in terminal illness claims.
