"it has been a long two years and throughout that time the western trust has not been assisting us in trying to understand the circumstances around our mother's death..
"we have to thank the coroner and his office for the work they have done. they have clearly listened to all of the evidence and came to the conclusion the family had all along..
the statistics iím quoting reveal a problem on the level of a tsunami sweeping across the whole of america and europe..
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies..