on critical illness, 4.6 per cent of claims were declined due to the definition not being met and 2.3 per cent were due to misrepresentation..
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..
written reports, including local media accounts, professional medical papers and internal emails were also examined..
and yet it is the duty of the crown to make his subjects feel safe and protected and even loved..