when robert had to go on full medical disability in his early 50s after hurting himself at work, helen went back to work, this time in the oil industry. .
he said: "our research shows that people, on average, believe that only 34 per cent of protection claims are paid out by insurance companies. .
phil lempert: it's affordability. it's convenience. it's not having a lot of waste. people are more concerned about waste than ever before. .
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