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As his abuse claim dates prior to 1964, he is unable to take civil action over the case, and having already undergone a heart bypass and having been diagnosed with vascular dementia, he knows he may never see justice. And if you're the last one alive, or you're lost in the dark, alone, your life depends on whether or not your gun jams. Most large insurance companies offer income protection insurance, or you might be able to buy it through your superannuation fund.