mr mcgurgan said that mrs cavanagh "died alone" after suffering a terminal collapse and fell from her bed while "the cot sides were down"..

..

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. . 0.

"but only when we discovered wet baby car seats in the first summer, we became really excited about the effect of the treatment," she said...