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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. .

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he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .

olivia mitchell: i think so. i mean, fresh and local is, you know, what they say is - tends to be healthier. . .

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