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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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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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andrew kaye, head of policy at macmillan cancer support said it was �shocking� that a cancer patient had to wait 541 days for treatment.
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