| http://www.w3.org/ns/prov#value | - He explains that this is mainly due to a substantial drop in misrepresentation and material non-disclosure across all types of cover.Misrepresentation occurs when a policyholder deliberately provides misleading information to a life insurer??? for example adding someone else???s child to a funeral policy??? pretending that it is your own child.Material non-disclosure refers to the deliberate failu
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