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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. .
the youngest adult claimant was aged 21, and the eldest aged 79. the age of the youngest children's claim was 8.2 months. .
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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. .
derek and his wife, michelle, have three boys, ages 11, 16 and 17. .
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