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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. .
aubrey: but with two young children and a busy schedule, she's come to appreciate the frozen food aisle. .
mr mcgurgan said that mrs cavanagh "died alone" after suffering a terminal collapse and fell from her bed while "the cot sides were down". . .
"we were quite surprised to find there were no significant differences," says study author . .