executive director of saen michael budkie made these reports public in a letter addressed to chancellor carol christ on wednesday.
scottish widows' figures were compiled using the abi guidance for calculating claims statistics..
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..
the statistics i�m quoting reveal a problem on the level of a tsunami sweeping across the whole of america and europe.