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![](/timesofindia.indiatimes.com/toiitpic/2658/images/1/ee9779e4d292039d397265ae3d573b72_0.jpg)
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![kennebec journal and morning sentinel](/www.centralmaine.com/wp-content/uploads/sites/2/2014/06/cm-white-footer-nes.png)
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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. .