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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"it has been a long two years and throughout that time the western trust has not been assisting us in trying to understand the circumstances around our mother's death.., although most have plans that will adequately improve air quality..

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..

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