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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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on critical illness, 4.6 per cent of claims were declined due to the definition not being met and 2.3 per cent were due to misrepresentation. .
"it's a very exciting time," klugman said. "this is exactly where we would like prenatal diagnosis to go -- to be able to act on it."
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