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."she was our mother, the anchor and heartbeat to our family," derek said. "(she) would spread her love and dedication like a small hummingbird." .
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. .
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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