Address the main issue

This is my original letter dated 10 Oct 2016 about rejected claims due to alleged non-disclosure of past medical history.

http://www.straitstimes.com/forum/letters-in-print/unfair-to-reject-claims-due-to-past-medical-conditions

This is the reply from the Life Insurance Association. It took them 20 days to give this reply and it missed the main point of my letter. Is this dishonest?

http://www.straitstimes.com/forum/letters-in-print/insurance-claims-customers-must-come-clean-about-medical-conditions

This is my reply to LIA asking them to remind them about the key point of my letter.

http://www.straitstimes.com/forum/letters-in-print/check-medical-status-at-point-of-application-for-insurance

I find it deplorable that the relevant party (in the case the Life Insurance Association) does not address the main issue and distracts readers with another issue. Most readers may not realize it. 

I find this dishonest approach being adopted by many government agencies as well. They do not answer the important question that was raised.

We need to hold our businesses and government agencies to a higher standard of accountability.