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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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"you can store them in the freezer for a year and the nutrient level pretty much stays the same," says plant scientist .

the total amount paid out in life claims was £129.4m, with £13.46m paid in terminal illness claims. . .

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