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he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies..

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"the big unanswered question is concerns over safety in pregnancy," she says. cgrp levels are lower than normal in pregnant women who have.

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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.