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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 latest figures mean that since january 2000, scottish widows has paid a total of £2.5bn in claims to more than 86,000 customers..

mr mcgurgan said that mrs cavanagh "died alone" after suffering a terminal collapse and fell from her bed while "the cot sides were down"..