the school in yarmouth that year had a low opt-out rate � 2 percent, the superintendent said � so there was a cap on the amount of disruption an illness could cause..
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..
experts say years of cuts to nhs budgets and staff has led to patients waiting longer for chemotherapy and radiotherapy..