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boston cio of the year® orbie® awards .
of the life claims declined, 0.85 per cent were due to mis-representation and 0.16 per cent due to the definition of terminal illness not being met. .
it's not clear how well they'll stack up against current migraine therapies, because head-to-head studies haven't been done. .
this procedure is mostly done as an outpatient, meaning the patient is discharged the same day. .
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.