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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. .-related side effects. its manufacturer, eli lilly, plans to submit a new drug application to the fda in the second half of 2018. .

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�we have waited a long time and we cannot possibly wait any longer.� .
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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.  .

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