her groin when she received further bad news. Her critical illness insurer was refusing to pay out the ú200,000 she was expecting. To understand why and the issues involved it's useful to understand how the events unfolded. ò In June 2001, Mrs A visited her GP after discovering a patch of flaky skin on her back. Mrs A thought it was eczema. During a brief consultation, her GP thought that it should be looked and recommended a referral to a dermatologist. But soon afterwards the flaky skin healed and Mrs A cancelled the appointment with the dermatologist. Apparently her GP did not express any major concern and some years later admitted that Mrs AP was in all likelihood unaware of the urgency of the referral. ò Nine weeks later a sales representative from Standard Life made a routine visit to Mrs A at her home. As Mrs A was now alone with a young family, the representative reviewed Mrs A's life insurance cover and suggested that she should also have a ú200,000 Critical Illness policy. Mrs A thought that sounded a very good idea and willingly agreed there and then. The sales representative produced the form and went through it, question by question, writing down Mrs A's answers for her. When it came to the question asking Mrs A to disclose all occasions her GP had recommended referrals for tests or treatments, Mrs A asked the sales representative what Standard was asking for. Mrs A alleges that the representative replied that Standard only needed details of appointments that related to serious conditions. Mrs A did not believe that her referral for what she thought had been eczema, fell into that category - so she did not mention it. She then signed the form honestly believing that she had disclosed everything Standard Life had required. Standard subsequently accepted her application and issued the ú200,000 Critical Illness Insurance policy. ò Two years later Mrs A was found to have skin cancer. Major surgery rapidly followed to remove the cancer. As her critical illness policy included cover for her cancer, Mrs A then made what she thought was a valid claim. ò Standard Life subsequently rejected her claim on the basis of ôreckless non-disclosureö û the insurers' jargon for Mrs A's failure to disclose her cancelled appointment with the dermatologist. The Issues The events that followed showed that Mrs A's application should have included her referral to the dermatologist. So why didn't she disclose the information? It seems that two aspects conspired to create
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piece is an abstract triptych that I found while I was in Atlanta buying religious paintings The piece was called Guardian Angel and I love it My patrons fell in love with it as well They have asked me to track down the artist and see if he has anymore religious paintings available The only religious paintings that I actually do not buy are ones that reflect the image of Jesus on the cross I don’t have a problem with them some of them are extremely well done and would more than likely sell well but my investors made it very clear when they financed the gallery that I would not put that image into it PPPPP 683 Ajello Candles The motto of the Ajello Candle Company is “It’s better to light a candle than to curse the darkness” This candle making company has been in business since 1775 The business has been family owned for seven generations The candles from Ajello’s are well known for their beauty and quality While they make more candles now than in 1775 their dedication to quality and to customers has never changed The Ajello Candle Company was founded by Rafael Ajello an Italian painter He was also a beekeeper so he tried his hand at using bees wax to create candles He worked hard to create a formula that worked well The formula combined with his outstanding artistic ability lead to the birth of the Ajello Candle Company In 1785 the company earned the honor of creating all the candles for the Vatican He and his wife ran the business keeping their children involved in the processes from an early age As time went on their children and grandchildren kept the business running as well as passed the family business on to their children By 1862 the company had established itself as a leader among the candle making industry They had also added perfumes and many .

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