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the presumptive leader is not defined, which leads to uncertainty and delays when leadership and action is needed,'' the report says. .
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. .
new research shows a growing number of young people are thinking about taking their own lives, and the study suggests school stress may play a role.
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