mrs cavanagh, from foyle park in londonderry, had a complex medical history of chronic heart and renal failure..
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..
"she was our mother, the anchor and heartbeat to our family," derek said. "(she) would spread her love and dedication like a small hummingbird.".