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."there is an issue that needs to be addressed in terms of the narrative the health trust tried to present and mislead the inquest and cover up what actually happened. .
"this should not have happened and should never be allowed to happen again to another vulnerable person or their family.
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scott cadger, head of underwriting and claims strategy at scottish widows, said the industry needed to do more to educate the public on the merits of protection insurance. .