robert, from los angeles, had four children from a previous marriage when he met helen through friends in the early 1960s..
"this should not have happened and should never be allowed to happen again to another vulnerable person or their family...
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..
official guidelines say no one should wait more than 62 days to get cancer care after an urgent referral by their gp.