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. .3000. “it may be just out of an abundance of caution and privacy. certainly, staying a little longer may imply that this is a little bit more of a complex situation.”.jeffrey krasner is president of emerging biocommunications, which consults to early- and mid-stage life science companies..