mr mcgurgan said that mrs cavanagh "died alone" after suffering a terminal collapse and fell from her bed while "the cot sides were down". .
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he would caress her arm and repeatedly tell her, "babe, babe, it's ok." .
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .
scottish widows' figures were compiled using the abi guidance for calculating claims statistics. . blood-filled tick .