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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. .
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"their serious adverse incident process has been wholly inadequate and what we have heard this week is a damning indictment of the western trust. .
the staff's "dearth of knowledge" about the correct procedure to follow when someone dies unexpectedly was also highlighted. .