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.. northern ireland pharmacists 'at breaking point' over funding ..

of the life claims declined, 0.85 per cent were due to mis-representation and 0.16 per cent due to the definition of terminal illness not being met. .

mainstream reporters and editors and publishers are well aware that telling the truth and continuing to pound on it would undermine a basic institution of society.