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..

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..

his heart, beating for 84 years and full of love for the woman he affectionately called his "blue-eyed guera [pronounced whedda]," felt like it was failing..