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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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the longest one patient waited for treatment following a gp referral in 2017 was 541 days - against a target of 62 days. .
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies.
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