"she was our mother, the anchor and heartbeat to our family," derek said. "(she) would spread her love and dedication like a small hummingbird.".

"as soon as she saw him," said tamara nunley, r.n., "you could see her perk up.".

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.