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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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the presumptive leader is not defined, which leads to uncertainty and delays when leadership and action is needed,'' the report says.
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of the life claims declined, 0.85 per cent were due to mis-representation and 0.16 per cent due to the definition of terminal illness not being met.