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"smoking and drinking � giving these kids a little bit longer to make good decisions in their lives � i'm all for that," bruschi said. .
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. .
"we are glad our concerns have been addressed by the coroner's office but the western trust has a lot to answer for. .