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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. .
the staff's "dearth of knowledge" about the correct procedure to follow when someone dies unexpectedly was also highlighted.
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"[the chipmuck and mice] come up close to peoples decks, yards, running around and that's the way the ticks can be invited in", she said. .
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